| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE S STE 210 SAINT AUGUSTINE, FL 32080 | UNITEDHEALTHCARE INSURANCE COMPANY | $86K | $443K | $529K | 8.53% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE S STE 210 SAINT AUGUSTINE, FL 32080 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $31K | $0 | $31K | 20.00% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE S STE 210 SAINT AUGUSTINE, FL 32080 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 2.39% |
| WEB BENEFITS DESIGN CORPORATION5 | PO BOX 1568 WINDERMERE, FL 34786 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.00% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.80% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE S STE 210 SAINT AUGUSTINE, FL 32080 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $24K | $0 | $24K | 20.00% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE S STE 210 SAINT AUGUSTINE, FL 32080 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.69% |
| WEB BENEFITS DESIGN CORPORATION5 | PO BOX 1568 WINDERMERE, FL 34786 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.00% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.90% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE S STE 210 SAINT AUGUSTINE, FL 32080 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $21K | $0 | $21K | 20.00% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE S STE 210 SAINT AUGUSTINE, FL 32080 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.47% |
| WEB BENEFITS DESIGN CORPORATION5 | PO BOX 1568 WINDERMERE, FL 34786 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.00% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $882 | $882 | 0.83% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE S STE 210 SAINT AUGUSTINE, FL 32080 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $0 | $16K | 20.00% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE S STE 210 SAINT AUGUSTINE, FL 32080 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.88% |
| WEB BENEFITS DESIGN CORPORATION5 Filed as: WEB BENEFITS DESIGN | PO BOX 1568 WINDERMERE, FL 34786 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $783 | $783 | 1.00% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $490 | $490 | 0.63% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE S STE 210 SAINT AUGUSTINE, FL 32080 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $0 | $16K | 20.00% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE S STE 210 SAINT AUGUSTINE, FL 32080 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.62% |
| WEB BENEFITS DESIGN CORPORATION5 | PO BOX 1568 WINDERMERE, FL 34786 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $780 | $780 | 1.00% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $682 | $682 | 0.87% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INC DBA BAILEY GROUP | 1200 PLANTATION ISLAND DRIVE S STE 210 SAINT AUGUSTINE, FL 32080 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $914 | $10K | 13.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $673 | $0 | $673 | 0.88% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INC DBA BAILEY GROUP | 1200 PLANTATION ISLAND DRIVE S STE 210 SAINT AUGUSTINE, FL 32080 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $704 | $15K | 25.76% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $562 | $0 | $562 | 0.95% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE S STE 210 SAINT AUGUSTINE, FL 32080 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $0 | $10K | 20.00% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE S STE 210 SAINT AUGUSTINE, FL 32080 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $954 | $954 | 1.85% |
| WEB BENEFITS DESIGN CORPORATION5 | PO BOX 1568 WINDERMERE, FL 34786 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $515 | $515 | 1.00% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $318 | $318 | 0.62% |
| MFB FINANCIAL INC4 Filed as: MFB FINANCIAL INC DBA BAILEY GROUP | 1200 PLANTATION ISLAND DRIVE S STE 210 SAINT AUGUSTINE, FL 32080 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | — | $1K | 12.33% |
| MATT CASTO4 | 7365 TREELINE DR. SE GRAND RAPIDS, MI 49546 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | — | $1K | 9.28% |
| CHARLES B ZITSMAN4 | 3521 KINGS RD. S. ST. AUGUSTINE, FL 32086 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $612 | — | $612 | 5.16% |
| ELIZABETH HOPKINS4 | 4876 PRINCESS ANNE RD STE 118 PMB 126 VIRGINIA BEACH, VA 23462 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $66 | — | $66 | 0.56% |
| CHANDA J MARSHBURN4 | 8426 IRONGATE CT. JACKSONVILLE, FL 32244 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $24 | — | $24 | 0.20% |
| MFB FINANCIAL INC4 Filed as: MFB FINANCIAL INC DBA BAILEY GROUP | 1200 PLANTATION ISLAND DRIVE S STE 210 SAINT AUGUSTINE, FL 32080 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $4K | — | $4K | 33.58% |
| MATT CASTO4 | 7365 TREELINE DR. SE GRAND RAPIDS, MI 49546 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $211 | — | $211 | 1.80% |
| CHARLES B ZITSMAN4 | 3521 KINGS RD. S. ST. AUGUSTINE, FL 32086 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $103 | — | $103 | 0.88% |
| REBECCA J SMITH INC4 | 2557 MICHAELSON WAY JACKSONVILLE, FL 32223 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $50 | — | $50 | 0.43% |
| KAN ENTERPRISES INC4 | 3126 STARBURST WAY JACKSONVILLE, FL 32223 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $41 | — | $41 | 0.35% |
| MFB FINANCIAL INC4 Filed as: MFB FINANCIAL INC DBA BAILEY GROUP | 1200 PLANTATION ISLAND DRIVE S STE 210 SAINT AUGUSTINE, FL 32080 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | — | $1K | 29.44% |
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 | 1,029 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,029 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,624 | $6.3M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,557 | $264K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 620 | $130K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 392 | $200K |
| Other(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 387 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,624 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.