| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET STE 234 PHOENIX, AZ 85018 | AETNA HEALTH, INC | $41K | — | $41K | 2.61% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE S STE 210 ST AUGUSTINE, FL 32080 | AETNA HEALTH, INC | $2K | — | $2K | 0.10% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE S STE 210 ST AUGUSTINE, FL 32080 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | $2K | $16K | 17.08% |
| NFP INSURANCE SERVICES INC3 | 109 LAURENS ROAD SUITE 1A GREENVILLE, SC 29607 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $552 | $552 | 0.60% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE S STE 210 ST AUGUSTINE, FL 32080 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $644 | $9K | 21.47% |
| MFB FINANCIAL INC3 | STE 210 1200 PLANTATION ISLAND DRIVE SOUTH ST AUGUSTINE, FL 32080 | HUMANA INSURANCE COMPANY | $2K | $638 | $3K | 19.39% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE SOUTH STE 210 ST AUGUSTINE, FL 32080 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $195 | $3K | 21.46% |
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 | 283 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 283 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 208 | $93K |
| Vision | HUMANA INSURANCE COMPANY | 134 | $15K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 283 | $13K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 283 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 283 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.