| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $63K | $22K | $85K | 20.27% |
| WEB BENEFITS DESIGN CORPORATION5 | 4725 W SAND LAKE RD STE 300 ORLANDO, FL 32819 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $13K | $13K | 3.00% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 1.10% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $49K | $18K | $66K | 20.36% |
| WEB BENEFITS DESIGN CORPORATION5 | 4725 W SAND LAKE RD STE 300 ORLANDO, FL 32819 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $10K | $10K | 3.00% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 1.12% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $35K | $12K | $47K | 20.31% |
| WEB BENEFITS DESIGN CORPORATION5 | 4725 W SAND LAKE RD STE 300 ORLANDO, FL 32819 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $7K | $7K | 3.00% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 1.11% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $33K | $13K | $46K | 20.79% |
| WEB BENEFITS DESIGN CORPORATION5 | 4725 W SAND LAKE RD STE 300 ORLANDO, FL 32819 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $7K | $7K | 3.00% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 1.21% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $29K | $10K | $39K | 20.41% |
| WEB BENEFITS DESIGN CORPORATION5 | 4725 W SAND LAKE RD STE 300 ORLANDO, FL 32819 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $6K | $6K | 3.00% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 1.13% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 Filed as: MFB FINANCIAL INC DBA THE BAILEY GR | 1200 PLANTATION ISLAND DRIVE STE 210 ST AUGUSTINE, FL 32080 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | $3K | $22K | 17.09% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC | 1200 PLANTATION ISLAND DR STE 210 ST AUGUSTINE, FL 32080 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 2.99% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | $7K | $26K | 20.44% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 1.13% |
| WEB BENEFITS DESIGN CORPORATION5 | 4725 W SAND LAKE RD STE 300 ORLANDO, FL 32819 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $949 | $949 | 0.75% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 Filed as: MFB FINANCIAL INC DBA THE BAILEY GR | 1200 PLANTATION ISLAND DR STE 210 ST AUGUSTINE, FL 32080 | UNUM INSURANCE COMPANY | $15K | $755 | $16K | 15.75% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR STE 210 ST AUGUSTINE, FL 32080 | UNUM INSURANCE COMPANY | $3K | — | $3K | 3.00% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | UNUM INSURANCE COMPANY | $8K | $1K | $10K | 11.65% |
| WEB BENEFITS DESIGN CORPORATION5 Filed as: WEB BENEFITS DESIGN CORP | 4725 W SAND LAKE RD STE 300 ORLANDO, FL 32819 | UNUM INSURANCE COMPANY | $2K | — | $2K | 3.00% |
| MFB FINANCIAL DBA THE BAILEY GROUP4 | 1200 PLANTATION ISLAND DR STE 210 ST AUGUSTINE, FL 32080 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $4K | — | $4K | 9.80% |
| MATT CASTO4 | 7365 TREELINE DR SE GRAND RAPIDS, MI 49546 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | — | $2K | 5.52% |
| CHARLES B ZITSMAN4 | 3521 KINGS RD S ST AUGUSTINE, FL 32086 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $971 | — | $971 | 2.71% |
| DON R. WILSON4 | PMB 4679 146 RAINBOW DR LIVINGSTON, TX 77399 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $158 | — | $158 | 0.44% |
| VILIAM CHOMA4 | 1743 CREEK VIEW DR FOGELSVILLE, PA 18051 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $27 | — | $27 | 0.08% |
| KEYSTONE COMMERCE GROUP LLC4 | 3916 GREEN ST HARRISBURG, PA 17110 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $23 | — | $23 | 0.06% |
| MFB FINANCIAL DBA THE BAILEY GROUP4 | 1200 PLANTATION ISLAND DR STE 210 ST AUGUSTINE, FL 32080 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $497 | — | $497 | 6.24% |
| MATT CASTO4 | 7365 TREELINE DR SE GRAND RAPIDS, MI 49546 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $495 | — | $495 | 6.22% |
| CHARLES B ZITSMAN4 | 3521 KINGS RD S ST AUGUSTINE, FL 32086 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $207 | — | $207 | 2.60% |
| MFB FINANCIAL DBA THE BAILEY GROUP4 | 1200 PLANTATION ISLAND DR STE 210 ST AUGUSTINE, FL 32080 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $762 | — | $762 | 16.03% |
| MATT CASTO4 | 7365 TREELINE DR SE GRAND RAPIDS, MI 49546 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $192 | — | $192 | 4.04% |
| CHARLES B ZITSMAN4 | 3521 KINGS RD S ST AUGUSTINE, FL 32086 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $99 | — | $99 | 2.08% |
| DON R. WILSON4 Filed as: DON R WILSON | PMB 4679 146 RAINBOW DR LIVINGSTON, TX 77399 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $62 | — | $62 | 1.30% |
| MFB FINANCIAL DBA THE BAILEY GROUP4 | 1200 PLANTATION ISLAND DRIVE STE 210 ST AUGUSTINE, FL 32080 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $224 | — | $224 | 10.37% |
| MATT CASTO4 | 7365 TREELINE DR SE GRAND RAPIDS, MI 49546 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $168 | — | $168 | 7.78% |
| CHARLES B ZITSMAN4 | 3521 KINGS RD S ST AUGUSTINE, FL 32086 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $73 | — | $73 | 3.38% |
| MFB FINANCIAL DBA THE BAILEY GROUP4 | 1200 PLANTATION ISLAND DR STE 210 ST AUGUSTINE, FL 32080 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $407 | — | $407 | 19.90% |
| MATT CASTO4 | 7365 TREELINE DR SE GRAND RAPIDS, MI 49546 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $160 | — | $160 | 7.82% |
| CHARLES B ZITSMAN4 | 3521 KINGS RD S ST AUGUSTINE, FL 32086 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $65 | — | $65 | 3.18% |
| DON R. WILSON4 Filed as: DON R WILSON | PMB 4679 146 RAINBOW DR LIVINGSTON, TX 77399 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $25 | — | $25 | 1.22% |
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 | 1,819 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | 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 | 2,697 | $1.2M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 2,697 | $1.2M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,819 | $643K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 675 | $360K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 494 | $519K |
| Other(10 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,819 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,697 | — |
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.