| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE S SUITE 210 SAINT AUGUSTINE, FL 32080 | HARTFORD LIFE AND ACCIDENT | $194K | — | $194K | 20.23% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (TX) LLC | 1250 CAPITAL OF TX HWY BLDG 2 ATTN THOMAS ZIMMER STE 600 AUSTIN, FL 78746 | HARTFORD LIFE AND ACCIDENT | — | $13K | $13K | 1.30% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE S SUITE 210 SAINT AUGUSTINE, FL 32080 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $74K | — | $74K | 13.00% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY AUSTIN, FL 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $13K | $13K | 2.34% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC. | 1200 PLANTATION ISLAND DRIVE S SUITE 210 SAINT AUGUSTINE, FL 32080 | HUMANA INSURANCE COMPANY | $8K | — | $8K | 9.97% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC. | 1200 PLANTATION ISLAND DRIVE S SUITE 210 SAINT AUGUSTINE, FL 32080 | UNUM INSURANCE COMPANY | $10K | $475 | $10K | 15.75% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE S SUITE 210 SAINT AUGUSTINE, FL 32080 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $789 | — | $789 | 6.13% |
| MATT CASTO4 | S7365 TREELINE DR SE GRAND RAPIDS, MI 49546 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $491 | — | $491 | 3.82% |
| CHARLES B ZITSMAN4 | 3521 KINGS RD S SAINT AUGUSTINE, FL 32086 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $304 | — | $304 | 2.36% |
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 | 1,012 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,012 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 771 | $570K |
| Vision | HUMANA INSURANCE COMPANY | 660 | $82K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 940 | $961K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 940 | $961K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 940 | $961K |
| Other(3 contracts, 3 carriers) | UNUM INSURANCE COMPANY | 1,012 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,012 | — |
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.