| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC. | 1200 PLANTATION ISLAND DRIVE ST. AUGUSTINE, FL 32080 | HEALTH OPTIONS | $12K | — | $12K | 2.85% |
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ATLAMONTE SPRINGS, FL 32716 | HEALTH OPTIONS | $9K | — | $9K | 2.15% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INC. | 1200 PLANTATION ISLAND DRIVE SAINT AUGUSTINE, FL 32080 | BLUE CROSS BLUE SHIELD OF FLORIDA | $10K | — | $10K | 2.88% |
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | BLUE CROSS BLUE SHIELD OF FLORIDA | $7K | — | $7K | 2.12% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE ROAD 434 LONGWOOD, FL 327505069 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $4K | $13K | 7.17% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIALS INC. | 1200 PLANTATION ISLAND DR. S ST. AUGUSTINE, FL 32080 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | — | $12K | 6.85% |
| VELOCITY BENEFITS3 | 113 SILKY SULLIVAN WAY CANTON, GA 30115 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 3.71% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE ROAD 434 LONGWOOD, FL 327505069 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $77 | $77 | 0.61% |
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 | 219 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 48 | $348K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 278 | $175K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 278 | $175K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 278 | $175K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 278 | $175K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 31 | $13K |
| Prescription drug | HEALTH OPTIONS | 63 | $429K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 278 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 278 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.