| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC | 1200 PLANTATION ISLAND DR. SOUTH SUITE 210 ST AUGUSTINE, FL 32080 | BLUE CROSS BLUE SHIELD OF FLORIDA | $57K | — | $57K | 5.00% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC | 1200 PLANTATION ISLAND DR. SOUTH SUITE 210 ST AUGUSTINE, FL 32080 | UNION SECURITY INSURANCE COMPANY | $10K | $1K | $11K | 11.32% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY # 2-125 AUSTIN, TX 78746 | UNION SECURITY INSURANCE COMPANY | — | $249 | $249 | 0.26% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC | 1200 PLANTATION ISLAND DR. SOUTH SUITE 210 ST AUGUSTINE, FL 32080 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $4K | $627 | $5K | 15.72% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC | 1200 PLANTATION ISLAND DR. SOUTH SUITE 210 ST AUGUSTINE, FL 32080 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $2K | $336 | $3K | 15.61% |
| JEREMY C ALFORD3 | 3700 WINDMEADOWS BLVD APT DD295 GAINESVILLE, FL 32608 | AFLAC | $548 | $31 | $579 | 3.79% |
| BRIAN DEE MOWREY3 | 28 SYKES ST SYKESVILLE, PA 15865 | AFLAC | $210 | — | $210 | 1.38% |
| SHERELLE DENISE KENDRICK3 | 12528 NW 109TH LN ALACHUA, FL 32615 | AFLAC | $153 | $9 | $162 | 1.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC | PO BOX 904307 CHARLOTTE, NC 28290 | AFLAC | $137 | — | $137 | 0.90% |
| CHARLENE M KOSKO3 Filed as: CHARLENE M GEORGEK | 574 TREASURE LK DU BOIS, PA 15801 | AFLAC | $114 | — | $114 | 0.75% |
| REUEL S DAVIS3 | 9460 W FAIRVIEW AVE SUITE 140 BOISE, ID 83704 | AFLAC | $108 | — | $108 | 0.71% |
| ANGEL E HILL3 | 4125 SE 23RD TER OCALA, FL 34480 | AFLAC | $84 | $4 | $88 | 0.58% |
| ASSURANCE AGENCY LTD3 Filed as: CHERRY ASSURANCE GROUP INC | 1425 PIEDMONT DR E SUITE 101B TALLAHASSEE, FL 32308 | AFLAC | $74 | — | $74 | 0.48% |
| JEREMY C ALFORD3 | 11628 NW 9TH LN GAINESVILLE, FL 32606 | AFLAC | $66 | — | $66 | 0.43% |
| TROY DANIEL DESLATTE3 | 107 SHADY PARK DR LAFAYETTE, LA 70508 | AFLAC | $59 | — | $59 | 0.39% |
| JOEL BARAT TOIGO3 | 1603 CASTELLINA CT EDMOND, OK 73034 | AFLAC | $57 | — | $57 | 0.37% |
| JOSHUA T HILL3 | 4125 SE 23RD TER OCALA, FL 34480 | AFLAC | $43 | $4 | $47 | 0.31% |
| ANGEL E HILL3 | 24921 NE 136TH LN FORT MCCOY, FL 32134 | AFLAC | $44 | $2 | $46 | 0.30% |
| MARK R STEWART3 | 1722 DEERFIELD DR LAKE CHARLES, LA 70611 | AFLAC | $44 | — | $44 | 0.29% |
| SHANE ROBERTSON3 | 181 E COPPER RIDGE ST MERIDIAN, ID 83646 | AFLAC | $43 | — | $43 | 0.28% |
| PEGGY LYNN STORMER3 | 244 MCANINCH RD BROOKVILLE, PA 15825 | AFLAC | $40 | — | $40 | 0.26% |
| VICKI M DICKERT3 | 258 SEAVIEW AVE DAYTONA BEACH, FL 32118 | AFLAC | $39 | — | $39 | 0.26% |
| REBECCA PEAVEY BONDS3 Filed as: REBECCA PEAVY BONDS | 28823 53RD DR BRANFORD, FL 32008 | AFLAC | $34 | $3 | $37 | 0.24% |
| PAUL MICHAEL HANNANT3 | 6052 SAWGRASS ST SE SALEM, OR 97306 | AFLAC | $28 | — | $28 | 0.18% |
| MELISSA STEWART3 Filed as: MELISSA VINCENT STEWART | 1616 DEERFIELD DR LAKE CHARLES, LA 70611 | AFLAC | $23 | — | $23 | 0.15% |
| CARSON LEE CHERRY3 | 1425 PIEDMONT DR E SUITE 101B TALLAHASSEE, FL 32308 | AFLAC | $23 | — | $23 | 0.15% |
| C H ROBINSON & ASSOCIATES INC3 Filed as: C.H. ROBINSON & ASSOCIATES INC | 4735 NW 53RD AVE SUITE A GAINESVILLE, FL 32653 | AFLAC | $19 | $3 | $22 | 0.14% |
| J C ADAMS INC3 Filed as: J.C. ADAMS INC | 5631 NE 31ST TER OCALA, FL 34479 | AFLAC | $19 | — | $19 | 0.12% |
| CARL FRANKLIN ARNOLD3 | 353 MARION OAKS PASS OCALA, FL 34473 | AFLAC | $18 | — | $18 | 0.12% |
| JOSHUA T HILL3 | 24921 NE 136TH LN FORT MCCOY, FL 32134 | AFLAC | $15 | $2 | $17 | 0.11% |
| DAVID J MCCLELLAN3 Filed as: DAVID JOHN HANNANT | 14830 NE 167TH ST WOODINVILLE, WA 98072 | AFLAC | $16 | — | $16 | 0.10% |
| JIMMY LEON JOHNSON3 | 40 AVERY ST SAINT AUGUSTINE, FL 32084 | AFLAC | $14 | — | $14 | 0.09% |
| PATRICK M PECORARO3 | 8180 S 700 E SUITE 120 SANDY, UT 84070 | AFLAC | $13 | — | $13 | 0.09% |
| CHRISTOPHER WALLACE HOFF3 Filed as: CHRISTOPHER HOFF PROF LLC | 13580 SW CRESTLINE CT TIGARD, OR 97224 | AFLAC | $12 | — | $12 | 0.08% |
| THEODORE AUTHEMENT3 | 800 RYAN ST SUITE 200 LAKE CHARLES, LA 70601 | AFLAC | $10 | — | $10 | 0.07% |
| BLAZE J FREMIN3 | PO BOX 53871 LAFAYETTE, LA 70505 | AFLAC | $7 | — | $7 | 0.05% |
| TRAVIS P LEBLANC3 | 230 DIANE LN STONEWALL, LA 71078 | AFLAC | $6 | — | $6 | 0.04% |
| JONATHAN SAMUEL KIRKLAND3 | 4245 MILGEN RD COLUMBUS, GA 31907 | AFLAC | $6 | — | $6 | 0.04% |
| PATRICK M PECORARO3 | 5088 S SANDPIPER DR APT 572 SALT LAKE CITY, UT 84117 | AFLAC | $5 | — | $5 | 0.03% |
| TRAVIS P LEBLANC3 | 1413 ODONNEL RD NEW IBERIA, LA 70560 | AFLAC | $5 | — | $5 | 0.03% |
| KIMBERLY A HOOIE3 | 8807 SW 137TH AVE ARCHER, FL 32618 | AFLAC | $4 | — | $4 | 0.03% |
| LESLIE J BAILEY3 | 4234 N PORTAGE AVE MERIDIAN, ID 83646 | AFLAC | $3 | — | $3 | 0.02% |
| PATRICIA M LEACH3 | 4405 HONEYMOON LN JACKSON, WI 53037 | AFLAC | $2 | — | $2 | 0.01% |
| C H ROBINSON & ASSOCIATES INC3 Filed as: C.H. ROBINSON & ASSOCIATES INC | 132 NW 76TH DR SUITE B GAINESVILLE, FL 32607 | AFLAC | $2 | — | $2 | 0.01% |
| CHRISTINE LOGSLETT3 | 8318 ANNA AVE WIND LAKE, WI 53185 | AFLAC | $1 | — | $1 | 0.01% |
| ADRIAN S JOHNSON3 | 289 MONTROSE PL BOSSIER CITY, LA 71111 | AFLAC | $1 | — | $1 | 0.01% |
| JEFFREY M SINTAY3 | 2685 S RAINBOW BLVD LAS VEGAS, NV 89146 | AFLAC | $1 | — | $1 | 0.01% |
| TINA WAY3 | 15550 E COPPER CREEK LN PARKER, CO 80134 | AFLAC | $1 | — | $1 | 0.01% |
| TERRY JAMES LAPORTE3 | 1007 HUGH DR SAINT MARTINVILLE, LA 70582 | AFLAC | $1 | — | $1 | 0.01% |
| JOSE DE LOS SANTOS III3 | 15550 E COPPER CREEK LN PARKER, CO 80134 | AFLAC | $1 | — | $1 | 0.01% |
| JEFFREY M SINTAY3 | 1972 ALCOVA RIDGE DR LAS VEGAS, NV 89135 | AFLAC | $1 | — | $1 | 0.01% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC | 1200 PLANTATION ISLAND DR. SOUTH SUITE 210 ST AUGUSTINE, FL 32080 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $2K | $272 | $2K | 15.61% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC | 1200 PLANTATION ISLAND DR. SOUTH SUITE 210 ST AUGUSTINE, FL 32080 | HM LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| MARK MINCK3 | 18424 SW 15TH AVE NEWBERRY, FL 32669 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $3K | — | $3K | 34.15% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC | 1200 PLANTATION ISLAND DR. SOUTH SUITE 210 ST AUGUSTINE, FL 32080 | UNION SECURITY INSURANCE COMPANY | — | $771 | $771 | — |
| NFP INSURANCE SERVICES INC3 Filed as: NATIONAL FINANCIAL PARTNERS | 1250 CAPITAL OF TEXAS HWY BLDG 2 SUITE 600 AUSTIN, TX 78746 | UNION SECURITY INSURANCE COMPANY | — | $72 | $72 | — |
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 | 165 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 130 | $1.1M |
| Dental | UNION SECURITY INSURANCE COMPANY | 131 | $97K |
| Vision | HM LIFE INSURANCE COMPANY | 132 | $12K |
| Life insurance(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 165 | $17K |
| Short-term disability(3 contracts, 3 carriers) | AFLAC | 100 | $29K |
| Long-term disability(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 100 | $32K |
| Other | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | 39 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.