| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INC, DEBORAH CROFT | 1200 PLANTATION ISLAND DRIVE STE 210 ST AUGUSTINE, FL 32080 | AETNA HEALTH, INC. | $6K | — | $6K | 0.33% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE STE 210 ST AUGUSTINE, FL 32080 | AETNA LIFE INSURANCE CO. | $39K | — | $39K | 9.37% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST. AUGUSTINE, FL 32080 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 12.50% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST. AUGUSTINE, FL 32080 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 15.00% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST. AUGUSTINE, FL 32080 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | — | $11K | 15.00% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 15.36% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST. AUGUSTINE, FL 32080 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 16.58% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST. AUGUSTINE, FL 32080 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.48% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST. AUGUSTINE, FL 32080 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 14.99% |
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 | 445 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 445 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 597 | $2.2M |
| Dental | AETNA LIFE INSURANCE CO. | 597 | $416K |
| Vision | AETNA LIFE INSURANCE CO. | 597 | $416K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 445 | $83K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 216 | $87K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 239 | $100K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 597 | $2.2M |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 122 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 597 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.