| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST. AUGUSTINE, FL 32080 | UNITEDHEALTHCARE INSURANCE COMPANY | $16K | $104K | $120K | 7.00% |
| MFB FINANCIAL INC3 Filed as: MFB (THE BAILEY GROUP) | 1200 PLANTATION ISLAND DRIVE S STE 210 SAINT AUGUSTINE, FL 32080 | UNITED HEALTHCARE INSURANCE COMPANY | $11K | — | $11K | 13.13% |
| PETER HAGER3 | 4660 NOTTINGHAM RD JACKSONVILLE, FL 32210 | CONTINENTAL AMERICAN INSURANCE COMPANY | $103 | — | $103 | 3.48% |
| ROBERT V WOERNER3 | 1548 WATERBRIDGE CT FLEMING ISLAND, FL 32003 | CONTINENTAL AMERICAN INSURANCE COMPANY | $82 | — | $82 | 2.77% |
| THOMAS J OLLER3 | 49 SWIMMING PEN DR MIDDLEBURG, FL 32068 | CONTINENTAL AMERICAN INSURANCE COMPANY | $37 | — | $37 | 1.25% |
| TROY D DESLATTE3 | 107 SHADY PARK DRIVE LAFAYETTE, LA 70508 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | — | $19 | 0.64% |
| MARIE MICHELE HASKELL3 | PO BOX 440307 JACKSONVILLE, FL 32222 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.27% |
| JIMMY LEON JOHNSON3 Filed as: JIMMY L JOHNSON | 411 WALNUT ST #16846 GREEN COVE SPRINGS, FL 32043 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.27% |
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 | 413 | 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) | 413 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 251 | $1.7M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 251 | $1.7M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 251 | $1.7M |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 413 | $82K |
| Long-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 413 | $82K |
| Other(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 413 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 413 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.