| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC | 1200 PLANTATION ISLAND DR S STE 210 SAINT AUGUSTINE, FL 32080 | HEALTH OPTIONS | $34K | — | $34K | 4.50% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC | 1200 PLANTATION ISLAND DR S STE 210 SAINT AUGUSTINE, FL 32080 | BLUE CROSS BLUE SHIELD OF FLORIDA | $25K | — | $25K | 4.50% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DIVE STE 200 SAINT AUGUSTINE, FL 32080 | FLORIDA COMBINED LIFE | $9K | — | $9K | 16.28% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE SUITE 210 ST. AUGUSTINE, FL 32080 | RELIANCE STANDARD | $6K | — | $6K | 20.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD | — | $349 | $349 | 1.19% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE SUITE 210 ST. AUGUSTINE, FL 32080 | RELIANCE STANDARD | $4K | — | $4K | 20.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD | — | $258 | $258 | 1.25% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE ST. AUGUSTINE, FL 32080 | RELIANCE STANDARD | $4K | — | $4K | 20.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD | — | $263 | $263 | 1.45% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR ST AUGUSTINE, FL 32080 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 20.50% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE ST AUGUSTINE, FL 32080 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | — | $53 | 6.68% |
| DORTHY RING3 | 8300 PLAZA GATE LN JACKSONVILLE, FL 32217 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | $2 | $34 | 4.28% |
| HEATHER WOMBLE LLC3 | 2409 PIRATE COURT JACKSONVILLE, FL 32224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $13 | $21 | 2.64% |
| JACQUELINE HALL3 | 3281 HIGHLAND MILL LANE ORANGE PARK, FL 32065 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 1.64% |
| ALYSON MARIE MCMAHON3 Filed as: ALYSON MCMAHON | 2127 GRASSY BASIN CT JACKSONVILLE, FM 32224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $2 | $7 | 0.88% |
| CHRISTI FRAUENHEIM WHEELER3 Filed as: CHRISTI WHEELER | 2937 SANS PAREIL ST JACKSONVILLE, FL 32246 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.76% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE SUITE 210 ST. AUGUSTINE, FL 32080 | RELIANCE STANDARD | $137 | — | $137 | 19.94% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD | — | $9 | $9 | 1.31% |
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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 67 | $1.3M |
| Dental | FLORIDA COMBINED LIFE | 102 | $58K |
| Vision | HUMANA INSURANCE COMPANY | 92 | $10K |
| Life insurance | RELIANCE STANDARD | 132 | $18K |
| Long-term disability | RELIANCE STANDARD | 130 | $21K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS | 67 | $1.3M |
| Other(4 contracts, 2 carriers) | RELIANCE STANDARD | 132 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.