| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 | DBA THE BAILEY GROUP 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 320803115 | HEALTH OPTIONS | $48K | — | $48K | 3.00% |
| MFB FINANCIAL INC3 | DBA THE BAILEY GROUP 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 320803115 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $5K | $22K | 12.82% |
| 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 | $2K | — | $2K | 0.91% |
| MFB FINANCIAL INC3 | DBA THE BAILEY GROUP 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 320803115 | BLUE CROSS BLUE SHIELD OF FLORIDA | $4K | — | $4K | 3.00% |
| MARK BAILEY3 | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | SUN LIFE ASSURANCE COMPANY OF CANADA | $18K | — | $18K | 17.48% |
| MFB FINANCIAL INC3 | DBA THE BAILEY GROUP 1200 PLANTATION ISLAND DR STE 210 ST AUGUSTINE, FL 32080 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $3K | $3K | 3.20% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $542 | $542 | 0.53% |
| SALLY L PITTMAN3 | 9372 COXWELL LANE JACKSONVILLE, FL 32221 | AFLAC | $7K | $422 | $7K | 7.31% |
| JASON BODDIE3 | 10175 FORTUNE PKWY UNIT 604 JACKSONVILLE, FL 32256 | AFLAC | $1K | — | $1K | 1.12% |
| DENNIS PITTMAN3 | 9372 COXWELL LANE JACKSONVILLE, FL 32221 | AFLAC | $1K | — | $1K | 1.06% |
| THOMAS JAMES OLLER3 Filed as: THOMAS OLLER | 49 SWIMMING PEN DR MIDDLEBURG, FL 32068 | AFLAC | $852 | — | $852 | 0.89% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOC INC | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | AFLAC | $851 | — | $851 | 0.89% |
| MARK A LINSNER3 Filed as: MARK LINSNER | 153 BLANDING BLVD STE 3 ORANGE PARK, FL 32073 | AFLAC | $727 | — | $727 | 0.76% |
| JIMMY D BOONE3 | 5346 DOMINICA CIR SARASOTA, FL 34233 | AFLAC | $547 | — | $547 | 0.57% |
| DAVID C SWEIGARD3 Filed as: DAVID SWEIGARD | 2575E PELLICER RD ST AUGUSTINE, FL 32092 | AFLAC | $373 | $84 | $457 | 0.48% |
| DAVID MARKS3 | 4021 W E HECK CT BLDG J BATON ROUGE, LA 70816 | AFLAC | $333 | $84 | $417 | 0.44% |
| GLORIA MEARES3 | 2734 HOLLY POINT RD E ORANGE PARK, FL 32073 | AFLAC | $258 | — | $258 | 0.27% |
| J C ADAMS INC3 | 5631 NE 31ST TER OCALA, FL 34479 | AFLAC | $198 | — | $198 | 0.21% |
| TROY DANIEL DESLATTE3 Filed as: TROY DESLATTE | 107 SHADY PARK DR LAFAYETTE, LA 70508 | AFLAC | $196 | — | $196 | 0.20% |
| MILLER MILLER BRADWISH & MILLER PA3 Filed as: MILLER MILLER BRADWISH MILLER | PO BOX 10099 JACKSONVILLE, FL 32247 | AFLAC | $169 | — | $169 | 0.18% |
| DAVID ABOULAFIA3 | 4811 BEACH BLVD STE 107 JACKSONVILLE, FL 32207 | AFLAC | $122 | — | $122 | 0.13% |
| TRAVIS P LEBLANC3 Filed as: TRAVIS LEBLANC | 230 DIANE LANE STONEWALL, LA 71078 | AFLAC | $107 | — | $107 | 0.11% |
| SHELLIE GASKINS3 | 510 22ND ST ST AUGUSTINE, FL 32084 | AFLAC | $106 | — | $106 | 0.11% |
| VERA I CRUICE3 Filed as: VERA CRUICE | 7121 TARPON COURT FLEMING ISLAND, FL 32003 | AFLAC | $88 | — | $88 | 0.09% |
| ROBERT VICTOR WOERNER II3 Filed as: ROBERT WOERNER II | 1548 WATERBRIDGE CT FLEMING ISLAND, FL 32003 | AFLAC | $81 | — | $81 | 0.08% |
| MICHAEL ZEIDMAN3 | 82 PHOENETIA DR ST AUGUSTINE, FL 32086 | AFLAC | $69 | — | $69 | 0.07% |
| JEREMY M HASKELL3 Filed as: JEREMY HASKELL | PO BOX 3274 OCALA, FL 34478 | AFLAC | $66 | — | $66 | 0.07% |
| ELAINE COX3 | 3355 DOROTHEA ROAD JACKSONVILLE, FL 32216 | AFLAC | $56 | — | $56 | 0.06% |
| WAYNE MEARES3 | 2734 HOLLY POINT RD E ORANGE PARK, FL 32073 | AFLAC | $55 | — | $55 | 0.06% |
| FRANK P ANDERSON & ASSOC INC3 | PMB 348 14286-19 BEACH BLVD JACKSONVILLE, FL 32250 | AFLAC | $53 | — | $53 | 0.06% |
| DEBORAH L RANSDELL3 Filed as: DEBORAH RANSDELL | 8512 SELWAY DR AUSTIN, TX 78736 | AFLAC | $51 | — | $51 | 0.05% |
| MICHELE HASKELL3 | PO BOX 440307 JACKSONVILLE, FL 32222 | AFLAC | $38 | — | $38 | 0.04% |
| LAURA HEILIG3 | 13768 OAK TREE TERRACE JACKSONVILLE, FL 32224 | AFLAC | $32 | — | $32 | 0.03% |
| JERRY WORLEY3 | 245 WILDWOOD DR #144 ST AUGUSTINE, FL 32086 | AFLAC | $32 | — | $32 | 0.03% |
| ALGERINE COX3 | 3355 DOROTHEA RD JACKSONVILLE, FL 32216 | AFLAC | $27 | — | $27 | 0.03% |
| JAMES L. LEFTWICH3 Filed as: JAMES LEFTWICH | 1465 RIVER LANE GREEN COVE SPRINGS, FL 32043 | AFLAC | $27 | — | $27 | 0.03% |
| WILLIAM M KNOTT3 | 24040 GREEN GARDENS CT EUSTIS, FL 32736 | AFLAC | $26 | — | $26 | 0.03% |
| BETH LUANNE KIMBROUGH3 Filed as: BETH KIMBROUGH | 6750 N ANDREWS AVE STE 200 FT LAUDERDALE, FL 33309 | AFLAC | $23 | — | $23 | 0.02% |
| STEPHEN RICHARD3 | 2831 TUSCARORA TRAIL MIDDLEBURG, FL 32068 | AFLAC | $23 | — | $23 | 0.02% |
| BILLY WAYNE OCONNOR3 Filed as: BILLY OCONNOR | 1309 N PRINCE EDWARD S OLATHE, KS 66061 | AFLAC | $20 | — | $20 | 0.02% |
| DAVID K MOBLEY3 Filed as: DAVID MOBLEY | 3812 VALVERDE CIR JACKSONVILLE, FL 32224 | AFLAC | $19 | — | $19 | 0.02% |
| HAUGHT FINANCIAL GRP INC3 | PO BOX 3158 PONTE VEDRA BEACH, FL 32204 | AFLAC | $18 | — | $18 | 0.02% |
| J W GRIMES INC3 | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $18 | — | $18 | 0.02% |
| JAMES R MIRABELLI3 Filed as: JAMES MIRABELLI | 99 SW MIZNER BLVD APT 843 BOCA RATON, FL 33432 | AFLAC | $7 | $10 | $17 | 0.02% |
| CECIL SALMON3 | 95 EDWARD DR PALM COAST, FL 32164 | AFLAC | $6 | $10 | $16 | 0.02% |
| JIMMY LEON JOHNSON3 Filed as: JIMMY JOHNSON | 28 MAGNOLIA AVE ST AUGUSTINE, FL 32084 | AFLAC | $16 | — | $16 | 0.02% |
| VICKI M DICKERT3 Filed as: VICKI DICKERT | 258 SEAVIEW AVE DAYTONA BEACH, FL 32118 | AFLAC | $10 | — | $10 | 0.01% |
| JOEY C ADAMS3 | 5631 NE 31ST TERRACE OCALA, FL 34479 | AFLAC | $10 | — | $10 | 0.01% |
| JAMES GODWIN3 | 1667 SEA OATS DR ATLANTIC BEACH, FL 32233 | AFLAC | $9 | — | $9 | 0.01% |
| ROBERT P FERRONE3 Filed as: ROBERT FERRONE | 1701 WILLIAMS CT APT 202 COLUMBUS, GA 31904 | AFLAC | $8 | — | $8 | 0.01% |
| JENNIFER LOWE3 | 502 MOONLIGHT CIR NEW BRAUNFELS, TX 78132 | AFLAC | $7 | — | $7 | 0.01% |
| FIRST COMMUNITY FINANCIAL SVCS INC3 | 505 HAINES AVENUE WAYCROSS, GA 31501 | AFLAC | $6 | — | $6 | 0.01% |
| JEFFREY M SINTAY3 Filed as: JEFFREY SINTAY | 1972 ALCOVA RIDGE DR LAS VEGAS, NV 89135 | AFLAC | $5 | — | $5 | 0.01% |
| JUDY LAFEMINA3 | PO BOX 2129 FRISCO, TX 75034 | AFLAC | $4 | — | $4 | 0.00% |
| BRANDON C ADAMS3 | 74 CROWN COLONY RD SAINT AUGUSTINE, FL 32092 | AFLAC | $4 | — | $4 | 0.00% |
| AARON ANTHONY3 | 5 POINTER CT COLUMBUS, GA 31909 | AFLAC | $3 | — | $3 | 0.00% |
| KYMBERLY G KNOTT3 Filed as: KYMBERLY KNOTT | 24040 GREEN GARDENS CT EUSTIS, FL 32736 | AFLAC | $3 | — | $3 | 0.00% |
| ROBERT L TRAPNELL JR3 Filed as: ROBERT TRAPNELL JR | 15 N INDIAN RIVER DR APT 701 COCOA, FL 32922 | AFLAC | $3 | — | $3 | 0.00% |
| ASHLEY CROOK3 | 111 DAUPHIN ST MOBILE, AL 36602 | AFLAC | $2 | — | $2 | 0.00% |
| THE PERRY GROUP INC3 | 1650 SAND LAKE RD STE 201D ORLANDO, FL 32809 | AFLAC | $2 | — | $2 | 0.00% |
| JULIE TRULUCK3 | 1934 PANTHEON DR WINTER GARDEN, FL 34787 | AFLAC | $1 | — | $1 | 0.00% |
| GRAVES INC3 | 5336 CAPTAINS CT NEW PORT RICHEY, FL 34652 | AFLAC | $1 | — | $1 | 0.00% |
| JOAN DANNELLY3 | 20110 AMBERVINE CIRCLE KATY, TX 77450 | AFLAC | $1 | — | $1 | 0.00% |
| MFB FINANCIAL INC3 | DBA THE BAILEY GROUP 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 320803115 | HUMANA | $2K | $493 | $3K | 11.83% |
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 | 228 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 10 | $119K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 455 | $175K |
| Vision | HUMANA | 185 | $25K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 260 | $101K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 260 | $101K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 260 | $101K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS | 219 | $1.7M |
| Other(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 260 | $316K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 455 | — |
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."
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.