| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S SUITE 210 ST. AUGUSTINE, FL 32080 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $147K | $147K | 3.09% |
| MFB FINANCIAL INC3 Filed as: MFB FIANNCIAL INC | 1200 PLANTATION ISLAND DR S SUITE 210 ST. AUGUSTINE, FL 32080 | METROPOLITAN LIFE INSURANCE COMPANY | $43K | — | $43K | 14.77% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S SUITE 210 ST. AUGUSTINE, FL 32080 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $32K | — | $32K | 19.95% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S SUIET210 ST. AUGUSTINE, FL 32080 | ALLSTATE BENEFITS | $28K | — | $28K | 22.30% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S SUITE 210 ST. AUGUSTINE, FL 32080 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $22K | — | $22K | 20.00% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S SUITE 210 ST. AUGUSTINE, FL 32080 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | — | $21K | 20.00% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S SUITE 210 ST. AUGUSTINE, FL 32080 | HUMANA INSURANCE COMPANY OF NE | $3K | — | $3K | 10.03% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S SUITE 210 ST. AUGUSTINE, FL 32080 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $39 | $2K | 7.29% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S SUITE 210 ST. AUGUSTINE, FL 32080 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 20.00% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S SUITE 210 ST. AUGUSTINE, FL 32080 | COMPBENEFITS COMPANY | $2K | — | $2K | 7.09% |
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 | 861 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 861 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 965 | $4.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,016 | $290K |
| Vision(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY OF NE | 467 | $56K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 861 | $186K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 392 | $109K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 261 | $107K |
| Other(2 contracts, 2 carriers) | ALLSTATE BENEFITS | 309 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,016 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.