| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 | MARK BAILEY 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 320803115 | HEALTH OPTIONS, INC. | $53K | — | $53K | 3.00% |
| MFB FINANCIAL INC3 | DBA THE BAILEY GROUP 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 320803115 | HUMANA INSURANCE COMPANY | $34K | — | $34K | 18.30% |
| MFB FINANCIAL INC3 | DBA THE BAILEY GROUP 1200 PLANTATION ISLAND DR ST 210 ST AUGUSTINE, FL 320803115 | HUMANA INSURANCE COMPANY | — | $3K | $3K | 1.74% |
| MARK BAILEY3 | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | SUN LIFE ASSURANCE COMPANY OF CANADA | $20K | — | $20K | 17.58% |
| MFB FINANCIAL INC3 | DBA THE BAILEY GROUP 1200 PLANTATION ISLAND DR STE 210 ST AUGUSTINE, FL 32080 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 2.15% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $372 | $372 | 0.33% |
| SHELLIE GASKINS3 | 510 22ND ST ST AUGUSTINE, FL 32084 | AFLAC | $3K | $282 | $3K | 2.93% |
| SALLY L PITTMAN3 Filed as: SALLY PITTMAN | 9372 COXWELL LN JACKSONVILLE, FL 32221 | AFLAC | $3K | $323 | $3K | 2.72% |
| DENNIS PITTMAN3 | 9372 COXWELL LN JACKSONVILLE, FL 32221 | AFLAC | $2K | — | $2K | 1.89% |
| THOMAS JAMES OLLER3 Filed as: THOMAS OLLER | 2410 SOUTHERN LINKS DR FLEMING ISLAND, FL 32003 | AFLAC | $1K | $121 | $1K | 1.18% |
| MARK A LINSNER3 Filed as: MARK LINSNER | 153 BLANDING BLVD STE 3 ORANGE PARK, FL 32073 | AFLAC | $1K | $121 | $1K | 1.11% |
| KEGAN NICOLE GONZALEZ3 Filed as: KEGAN GONZALEZ | 153 BLANDING BLVD STE 3 ORANGE PARK, FL 32073 | AFLAC | $1K | — | $1K | 0.97% |
| TAMARA HAYGOOD3 | 3017 ANGORA BAY DR MIDDLEBURG, FL 32068 | AFLAC | $1K | — | $1K | 0.95% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOC INC | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | AFLAC | $736 | — | $736 | 0.67% |
| JIMMY D BOONE3 Filed as: JIMMY BOONE | 5346 DOMINICA CIR SARASOTA, FL 34233 | AFLAC | $488 | — | $488 | 0.44% |
| DAVID C SWEIGARD3 Filed as: DAVID SWEIGARD | 2603 PELLICER RD SAINT AUGUSTINE, FL 32092 | AFLAC | $312 | — | $312 | 0.28% |
| DAVID MARKS3 | 4021 WE HECK CT STE J BATON ROUGE, LA 70816 | AFLAC | $286 | — | $286 | 0.26% |
| GLORIA MEARES3 | 2734 HOLLY POINT RD E ORANGE PARK, FL 32073 | AFLAC | $231 | — | $231 | 0.21% |
| JASON BODDIE3 | 10175 FORTUNE PKWY UNIT 604 JACKSONVILLE, FL 32256 | AFLAC | $222 | — | $222 | 0.20% |
| J C ADAMS INC3 | 5631 NE 31ST TER OCALA, FL 34479 | AFLAC | $176 | — | $176 | 0.16% |
| TROY DANIEL DESLATTE3 Filed as: TROY DESLATTE | 107 SHADY PARK DR LAFAYETTE, LA 70508 | AFLAC | $162 | — | $162 | 0.15% |
| MILLER MILLER BRADWISH & MILLER PA3 Filed as: MILLER MILLER BRADWISH MILLER | PO BOX 10099 JACKSONVILLE, FL 32247 | AFLAC | $146 | — | $146 | 0.13% |
| DAVID ABOULAFIA3 | 1 SPENCER ST SAINT AUGUSTINE, FL 32084 | AFLAC | $107 | — | $107 | 0.10% |
| TRAVIS P LEBLANC3 Filed as: TRAVIS LEBLANC | 1413 ODONNEL RD NEW IBERIA, LA 70560 | AFLAC | $99 | — | $99 | 0.09% |
| JEREMY M HASKELL3 Filed as: JEREMY HASKELL | 2150 COUNTRY CLUB RD STE 228 WINSTON SALEM, NC 27104 | AFLAC | $66 | — | $66 | 0.06% |
| ROBERT VICTOR WOERNER II3 Filed as: ROBERT WOERNER II | 210 16TH ST UNIT K ST AUGUSTINE, FL 32080 | AFLAC | $66 | — | $66 | 0.06% |
| WAYNE MEARES3 | 2734 HOLLY POINT RD E ORANGE PARK, FL 32073 | AFLAC | $55 | — | $55 | 0.05% |
| JIMMY LEON JOHNSON3 Filed as: JIMMY JOHNSON | 1005 BELLA VISTA BLVD APT 119 ST AUGUSTINE, FL 32084 | AFLAC | $54 | — | $54 | 0.05% |
| FRANK P ANDERSON & ASSOC INC3 | 14286 BEACH BKVD STE 19 PMB 348 JACKSONVILLE, FL 32250 | AFLAC | $53 | — | $53 | 0.05% |
| DEBORAH L RANSDELL3 Filed as: DEBORAH RANSDELL | 8512 SELWAY DR AUSTIN, TX 78736 | AFLAC | $52 | — | $52 | 0.05% |
| MICHELE HASKELL3 | PO BOX 440307 JACKSONVILLE, FL 32222 | AFLAC | $39 | — | $39 | 0.04% |
| ELAINE COX3 | 3355 DOROTHEA RD JACKSONVILLE, FL 32216 | AFLAC | $38 | — | $38 | 0.03% |
| VICKI M DICKERT3 Filed as: VICKI DICKERT | 258 SEAVIEW AVE DAYTONA BEACH, FL 32118 | AFLAC | $36 | — | $36 | 0.03% |
| JERRY WORLEY3 | 6 DORSET A BOCA RATON, FL 33434 | AFLAC | $32 | — | $32 | 0.03% |
| ROBERT P FERRONE3 Filed as: ROBERT FERRONE | 1701 WILLIAMS CT APT 202 COLUMBUS, GA 31904 | AFLAC | $28 | — | $28 | 0.03% |
| MICHAEL ZEIDMAN3 | 82 PHOENETIA DR SAINT AUGUSTINE, FL 32086 | AFLAC | $27 | — | $27 | 0.02% |
| ALGERINE COX3 | 3355 DOROTHEA RD JACKSONVILLE, FL 32216 | AFLAC | $27 | — | $27 | 0.02% |
| JAMES L. LEFTWICH3 Filed as: JAMES LEFTWICH | 1465 RIVER LN GREEN COVE SPRINGS, FL 32043 | AFLAC | $27 | — | $27 | 0.02% |
| 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 TRL MIDDLEBURG, FL 32068 | AFLAC | $23 | — | $23 | 0.02% |
| JAMES R MIRABELLI3 Filed as: JAMES MIRABELLI | 801 BRINY AVE APT 1403 POMPANO BEACH, FL 33062 | AFLAC | $21 | — | $21 | 0.02% |
| BILLY WAYNE OCONNOR3 Filed as: BILLY OCONNOR | 1309 N PRINCE EDWARD IS OLATHE, KS 66061 | AFLAC | $20 | — | $20 | 0.02% |
| HAUGHT FINANCIAL GRP INC3 | PO BOX 3158 PONTE VEDRA BEACH, FL 32004 | AFLAC | $18 | — | $18 | 0.02% |
| J W GRIMES INC3 | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $18 | — | $18 | 0.02% |
| JEFFREY M SINTAY3 Filed as: JEFFREY SINTAY | 2685 S RAINBOW BLVD STE 200 LAS VEGAS, NV 89146 | AFLAC | $17 | — | $17 | 0.02% |
| CECIL SALMON3 | 95 EDWARD DR PALM COAST, FL 32164 | AFLAC | $17 | — | $17 | 0.02% |
| DAVID K MOBLEY3 Filed as: DAVID MOBLEY | 3812 VALVERDE CIR JACKSONVILLE, FL 32224 | AFLAC | $14 | — | $14 | 0.01% |
| VERA I CRUICE3 Filed as: VERA CRUICE | 11445 DRAKEWOOD CT JACKSONVILLE, FL 32223 | AFLAC | $12 | — | $12 | 0.01% |
| AARON ANTHONY3 | 1700 FOUNTAIN CT APT 1303 COLUMBUS, GA 31904 | AFLAC | $11 | — | $11 | 0.01% |
| JOEY C ADAMS3 Filed as: JOEY ADAMS | PO BOX 729 OCALA, FL 34478 | AFLAC | $10 | — | $10 | 0.01% |
| JENNIFER LOWE3 | 502 MOONLIGHT CIR NEW BRAUNFELS, TX 78132 | AFLAC | $7 | — | $7 | 0.01% |
| FIRST COMMUNITY FINANCIAL SVCS INC3 | 505 HAINES AVE WAYCROSS, GA 31501 | AFLAC | $6 | — | $6 | 0.01% |
| BRANDON ADAMS3 | 74 CROWN COLONY RD SAINT AUGUSTINE, FL 32092 | AFLAC | $4 | — | $4 | 0.00% |
| JUDY LAFEMINA3 | PO BOX 2129 FRISCO, TX 75034 | AFLAC | $4 | — | $4 | 0.00% |
| LAURA HEILIG3 | 13768 OAK TREE TER JACKSONVILLE, FL 32224 | AFLAC | $3 | — | $3 | 0.00% |
| ASHLEY CROOK3 | 10167 SUMMERLAKE DR MOBILE, AL 36608 | AFLAC | $2 | — | $2 | 0.00% |
| WILLIAM M KNOTT3 Filed as: WILLIAM KNOTT | 24040 GREEN GARDENS CT EUSTIS, FL 32736 | AFLAC | $2 | — | $2 | 0.00% |
| MARK C LEE3 Filed as: MARK LEE | 1444 S 17TH ST WILMINGTON, NC 28401 | AFLAC | $2 | — | $2 | 0.00% |
| JOAN DANNELLY3 | 20110 AMBERVINE CIRCLE KATY, TX 77450 | AFLAC | $1 | — | $1 | 0.00% |
| JULIE TRULUCK3 | 1934 PANTHEON DR WINTER GARDEN, FL 34787 | AFLAC | $1 | — | $1 | 0.00% |
| JOSE DEPASQUAL3 | 403 N FM 113 WEATHERFORD, TX 76088 | AFLAC | $1 | — | $1 | 0.00% |
| MFB FINANCIAL INC3 | MARK BAILEY 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 320803115 | BLUE CROSS BLUE SHIELD OF FLORIDA | $3K | — | $3K | 3.00% |
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 | 281 | 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) | 285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 0 | $102K |
| Dental | HUMANA INSURANCE COMPANY | 224 | $187K |
| Vision | HUMANA INSURANCE COMPANY | 224 | $187K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 281 | $111K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 281 | $111K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 281 | $111K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 281 | $323K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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.