| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR STE 210 ST. AUGUSTINE, FL 32080 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23K | — | $23K | 6.70% |
| THOMAS J OLLER3 Filed as: THOMAS J. OLLER | 2410 SOUTHERN LINKS DR. ORANGE PARK, FL 32003 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | — | $13K | 3.65% |
| MICHAEL S WITHROW3 Filed as: MICHAEL SHANE WITHROW | 1369 BARRINGTON CIRCLE ST. AUGUSTINE, FL 32092 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 1.05% |
| BRIGIT ANN JOYCE3 | 2367 FOXHAVEN DR. E. JACKSONVILLE, FL 32224 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.70% |
| WHITNEY L MILLWOOD3 | 1763 FIDDLERS RIDGE DR. FLEMING ISLAND, FL 32003 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.46% |
| JOSHUA THOMAS HILL3 | 24921 NE 136 LN FT. MCCOY, FL 32134 | CONTINENTAL AMERICAN INSURANCE COMPANY | $202 | — | $202 | 0.06% |
| MFB FINANCIAL INC3 | STE 210 1200 PLANTATION ISLAND DR ST AUGUSTINE, FL 32080 | HUMANA INSURANCE COMPANY | $23K | — | $23K | 13.47% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 SAINT AUGUSTINE, FL 32080 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $26K | $785 | $26K | 16.44% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 CAPITAL OF TEXAS HWY S. BLDG 2 SUITE 600 AUSTIN, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $327 | $327 | 0.20% |
| MFB FINANCIAL INC3 | STE 210 1200 PLANTATION ISLAND DR ST AUGUSTINE, FL 32080 | COMPBENEFITS COMPANY | $3K | — | $3K | 15.12% |
| MFB FINANCIAL INC4 Filed as: MFB FINANCIAL BDA THE BAILEY GROUP | STE 210 1200 PLANTATION ISLAND DR ST AUGUSTINE, FL 32080 | PRE-PAID LEGAL SHIELD SERVICES INC DBA LEGAL SHIELD | $2K | — | $2K | 18.38% |
| MATT CASTO4 Filed as: MATT CASTRO | 7365 TREELINE DR. SE GRAND RAPIDS, MI 49546 | PRE-PAID LEGAL SHIELD SERVICES INC DBA LEGAL SHIELD | $1K | — | $1K | 10.12% |
| CHARLES B ZITSMAN4 Filed as: CHARLES ZITSMAN | 3521 KINGS RD. S. ST. AUGUSTINE, FL 32086 | PRE-PAID LEGAL SHIELD SERVICES INC DBA LEGAL SHIELD | $698 | — | $698 | 6.94% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 488 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 489 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 330 | $188K |
| Vision | HUMANA INSURANCE COMPANY | 330 | $167K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 741 | $161K |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 741 | $520K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 741 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.