| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INCORPORATED | 1200 PLANTATION ISLAND DRIVE S STE 210 SAINT AUGUSTINE, FL 32080 | UNITEDHEALTHCARE INSURANCE COMPANY | $91K | $0 | $91K | 14.32% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE S STE 210 SAINT AUGUSTINE, FL 32080 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $42K | $0 | $42K | 17.66% |
| WEB BENEFITS DESIGN CORPORATION5 | 4725 W SAND LAKE RD STE 300 ORLANDO, FL 32819 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $6K | $6K | 2.59% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE S STE 210 SAINT AUGUSTINE, FL 32080 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $35K | $0 | $35K | 17.76% |
| WEB BENEFITS DESIGN CORPORATION5 | 4725 W SAND LAKE RD STE 300 ORLANDO, FL 32819 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 2.59% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INCORPORATED | 1200 PLANTATION ISLAND DRIVE S STE 210 SAINT AUGUSTINE, FL 32080 | UNITEDHEALTHCARE INSURANCE COMPANY | $27K | $0 | $27K | 14.34% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE S STE 210 SAINT AUGUSTINE, FL 32080 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $27K | $0 | $27K | 17.70% |
| WEB BENEFITS DESIGN CORPORATION5 | 4725 W SAND LAKE RD STE 300 ORLANDO, FL 32819 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 2.59% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE S STE 210 SAINT AUGUSTINE, FL 32080 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $25K | $0 | $25K | 17.74% |
| WEB BENEFITS DESIGN CORPORATION5 | 4725 W SAND LAKE RD STE 300 ORLANDO, FL 32819 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 2.59% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE S STE 210 SAINT AUGUSTINE, FL 32080 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | $0 | $20K | 17.67% |
| WEB BENEFITS DESIGN CORPORATION5 | 4725 W SAND LAKE RD STE 300 ORLANDO, FL 32819 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 2.58% |
| MFP FINANCIAL INC3 Filed as: MFP FINANCIAL, INC. | 1200 PLANTATION ISLAND DRIVE S STE 210 ST AUGUSTINE, FL 32080 | UNUM INSURANCE COMPANY | $14K | $474 | $15K | 13.04% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INC DBA BAILEY GROUP | 1200 PLANTATION ISLAND DRIVE S STE 210 ST AUGUSTINE, FL 32080 | UNUM INSURANCE COMPANY | $3K | — | $3K | 2.52% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INC. | 1200 PLANTATION ISLAND DRIVE S STE 210 ST. AUGUSTINE, FL 32080 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | $4K | $29K | 29.31% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INC DBA BAILEY GROUP | 1200 PLANTATION ISLAND DRIVE S STE 210 ST. AUGUSTINE, FL 32080 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.99% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE S STE 210 SAINT AUGUSTINE, FL 32080 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $0 | $13K | 17.66% |
| WEB BENEFITS DESIGN CORPORATION5 | 4725 W SAND LAKE RD STE 300 ORLANDO, FL 32819 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.58% |
| MFB FINANCIAL INC4 Filed as: MFB FINANCIAL INC DBA BAILEY GROUP | 1200 PLANTATION ISLAND DRIVE S STE 210 ST. AUGUSTINE, FL 32080 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $6K | — | $6K | 24.22% |
| MATT CASTO4 | 7365 TREELINE DR. SE GRAND RAPIDS, MI 49546 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $548 | — | $548 | 2.14% |
| CHARLES B ZITSMAN4 | 3521 KINGS RD. S. ST. AUGUSTINE, FL 32086 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $310 | — | $310 | 1.21% |
| MFB FINANCIAL INC4 Filed as: MFB FINANCIAL INC DBA BAILEY GROUP | 1200 PLANTATION ISLAND DRIVE S STE 210 ST AUGUSTINE, FL 32080 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $655 | — | $655 | 9.55% |
| MATT CASTO4 | 7365 TREELINE DR. SE GRAND RAPIDS, MI 49546 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $495 | — | $495 | 7.22% |
| CHARLES B ZITSMAN4 | 3521 KINGS RD. S. ST. AUGUSTINE, FL 32086 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $275 | — | $275 | 4.01% |
| MFB FINANCIAL INC4 Filed as: MFB FINANCIAL INC DBA BAILEY GROUP | 1200 PLANTATION ISLAND DRIVE S STE 210 ST. AUGUSTINE, FL 32080 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $333 | — | $333 | 14.05% |
| MFB FINANCIAL INC4 Filed as: MFB FINANCIAL INC DBA BAILEY GROUP | 1200 PLANTATION ISLAND DRIVE S STE 210 ST. AUGUSTINE, FL 32080 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $342 | — | $342 | 21.23% |
| MATT CASTO4 | 7365 TREELINE DR SE GRAND RAPIDS, MI 49546 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $75 | — | $75 | 4.66% |
| CHARLES B ZITSMAN4 Filed as: CHARLES ZITSMAN | 3521 KINGS RD S ST. AUGUSTINE, FL 32086 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $46 | — | $46 | 2.86% |
| MFB FINANCIAL INC4 Filed as: MFB FINANCIAL INC DBA BAILEY GROUP | 1200 PLANTATION ISLAND DRIVE S STE 210 ST. AUGUSTINE, FL 32080 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $309 | — | $309 | 25.84% |
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 | 1,820 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,825 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,437 | $637K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,267 | $186K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,846 | $388K |
| Short-term disability(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 676 | $313K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 484 | $310K |
| Other(8 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,846 | $539K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,846 | — |
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.