| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR #210 ST AUGUSTINE, FL 320803115 | HEALTH OPTIONS | $114K | — | $114K | 5.00% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR #210 ST AUGUSTINE, FL 320803115 | BLUE CROSS BLUE SHIELD OF FLORIDA | $9K | — | $9K | 5.00% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR #210 ST AUGUSTINE, FL 32080 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $90 | $90 | 0.21% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR #210 ST AUGUSTINE, FL 320803115 | GUARDIAN | $7K | — | $7K | 21.51% |
| DAVIS ALLEN AGENCY INC3 Filed as: DAVIS-ROUSSEL TALLAHASSEE | 3664 COOLIDGE COURT TALLAHASSEE, FL 32311 | GUARDIAN | $60 | $204 | $264 | 0.82% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR #210 ST AUGUSTINE, FL 320803115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $1K | $6K | 25.00% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $64 | $64 | 0.26% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR #210 ST AUGUSTINE, FL 320803115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $44 | $44 | 0.20% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR #210 ST AUGUSTINE, FL 320803115 | NEW BENEFITS | $3K | — | $3K | 15.38% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR #210 ST AUGUSTINE, FL 320803115 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE C | $2K | — | $2K | 10.07% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR #210 ST AUGUSTINE, FL 32080 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $39 | $39 | 0.25% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR #210 ST AUGUSTINE, FL 320803115 | FLORIDA COMBINED LIFE | $14K | — | $14K | 100.00% |
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 | 339 | 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) | 339 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 255 | $2.5M |
| Dental | FLORIDA COMBINED LIFE | 292 | $14K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE C | 336 | $18K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 339 | $40K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 102 | $43K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 75 | $22K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS | 255 | $2.5M |
| Other(3 contracts, 3 carriers) | GUARDIAN | 339 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 339 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.