| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | UNITED HEALTHCARE INSURANCE COMPANY | $48K | $102K | $150K | 6.06% |
| MARK BAILEY3 | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | SUN LIFE ASSURANCE COMPANY OF CANADA | $25K | — | $25K | 17.66% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $444 | $444 | 0.32% |
| SALLY L PITTMAN3 Filed as: SALLY PITTMAN | 9372 COXWELL LN JACKSONVILLE, FL 32221 | AFLAC | $4K | $13 | $4K | 3.60% |
| SHELLIE GASKINS3 | 510 22ND ST ST AUGUSTINE, FL 32084 | AFLAC | $3K | $138 | $3K | 2.75% |
| DENNIS PITTMAN3 | 9372 COXWELL LN JACKSONVILLE, FL 32256 | AFLAC | $1K | $210 | $1K | 1.20% |
| KEGAN NICOLE GONZALEZ3 Filed as: KEGAN GONZALEZ | 153 BLANDING BLVD STE 3 ORANGE PARK, FL 32073 | AFLAC | $1K | $72 | $1K | 1.19% |
| MARK A LINSNER3 | 10375 CENTURION PKWY N STE 100 JACKSONVILLE, FL 32256 | AFLAC | $1K | $72 | $1K | 1.11% |
| THOMAS JAMES OLLER3 | 2410 SOUTHERN LINKS DR FLEMING ISLAND, FL 32073 | AFLAC | $998 | — | $998 | 0.89% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOC INC | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | AFLAC | $717 | — | $717 | 0.64% |
| JIMMY D BOONE3 Filed as: JIMMY BOONE | 5346 DOMINICA CIR SARASOTA, FL 34233 | AFLAC | $451 | — | $451 | 0.40% |
| DAVID C SWEIGARD3 Filed as: DAVID SWEIGARD | 2603 PELLICER RD SAINT AUGUSTINE, FL 32092 | AFLAC | $303 | — | $303 | 0.27% |
| DAVID MARKS3 | 4021 WE HECK CT STE J BATON ROUGE, FL 70816 | AFLAC | $270 | — | $270 | 0.24% |
| GLORIA MEARES3 Filed as: GLORIA LYNN MEARES | 2734 HOLLY POINT RD E ORANGE PARK, LA 32073 | AFLAC | $225 | — | $225 | 0.20% |
| TROY DANIEL DESLATTE3 | 107 SHADY PARK DR LAFAYETTE, LA 70508 | AFLAC | $149 | — | $149 | 0.13% |
| MILLER MILLER BRADWISH & MILLER PA3 Filed as: MILLER MILLER BRADWISH MILLER | PO BOX 10099 JACKSONVILLE, FL 32247 | AFLAC | $134 | — | $134 | 0.12% |
| JOEY C ADAMS3 | 317 NORTHEAST 36TH AVE STE 6 OCALA, FL 34470 | AFLAC | $127 | — | $127 | 0.11% |
| TAMARA ANN HAYGOOD3 | 3017 ANGORA BAY DR MIDDLEBURG, FL 32068 | AFLAC | $112 | — | $112 | 0.10% |
| JASON BODDIE3 Filed as: JASON ISRAEL BODDIE | 10175 FORTUNE PKWY UNIT 604 JACKSONVILLE, FL 32256 | AFLAC | $107 | — | $107 | 0.10% |
| DAVID ABOULAFIA3 Filed as: DAVID SCOTT ABOULAFIA | 1 SPENCER ST SAINT AUGUSTINE, FL 32084 | AFLAC | $102 | — | $102 | 0.09% |
| TRAVIS P LEBLANC3 | 1413 ODONNEL RD NEW IBERIA, LA 70560 | AFLAC | $99 | — | $99 | 0.09% |
| JEREMY M HASKELL3 | 430 RYDER CUP LN CLEMMONS, NC 27012 | AFLAC | $66 | — | $66 | 0.06% |
| WAYNE MEARES3 Filed as: WAYNE E MEARES | 2734 HOLLY POINT RD E ORANGE PARK, FL 32073 | AFLAC | $55 | — | $55 | 0.05% |
| FRANK P ANDERSON & ASSOC INC3 | 14286 BEACH BLVD STE 19 PMB 348 JACKSONVILLE, FL 32250 | AFLAC | $53 | — | $53 | 0.05% |
| JIMMY LEON JOHNSON3 | 40 AVERY ST SAINT AUGUSTINE, FL 32084 | AFLAC | $51 | — | $51 | 0.05% |
| J C ADAMS INC3 | 5631 NE 31ST TER OCALA, FL 34479 | AFLAC | $43 | — | $43 | 0.04% |
| ELAINE COX3 | 3355 DOROTHEA RD JACKSONVILLE, FL 32216 | AFLAC | $38 | — | $38 | 0.03% |
| ARW BENEFITS LLC3 | 210 16TH ST UNIT K ST AUGUSTINE, FL 32080 | AFLAC | $32 | — | $32 | 0.03% |
| JERRY WORLEY3 Filed as: JERRY L WORLEY | 6 DORSET A BOCA RATON, FL 33434 | AFLAC | $32 | — | $32 | 0.03% |
| VICKI M DICKERT3 | 103 LAUGHING GULL LN CARRABELLE, FL 32322 | AFLAC | $28 | — | $28 | 0.02% |
| ROBERT P FERRONE3 | 262 AUTUMN TRAIL WAY WAVERLY HALL, GA 31831 | AFLAC | $28 | — | $28 | 0.02% |
| ALGERINE COX3 Filed as: ALGERINE B COX | 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 | 6750 N ANDREWS AVE STE 200 FT LAUDERDALE, FL 33309 | AFLAC | $23 | — | $23 | 0.02% |
| MARIE MICHELE HASKEL3 | 5023 EAGLE POINT DR JACKSONVILLE, FL 32444 | AFLAC | $23 | — | $23 | 0.02% |
| ROBERT VICTOR WOERNER II3 Filed as: ROBERT VICTOR WOERNER | 210 16TH ST UNIT K ST AUGUSTINE, FL 32080 | AFLAC | $22 | — | $22 | 0.02% |
| JASON BODDIE3 Filed as: JASON ISRAEL BODDIE | 5242 LOUIS LN MIDDLEBURG, FL 32068 | AFLAC | $21 | — | $21 | 0.02% |
| JAMES R MIRABELLI3 | 801 BRINY AVE APT 1403 POMPANO BEACH, FL 33062 | AFLAC | $20 | — | $20 | 0.02% |
| BILLY WAYNE OCONNOR3 | 16762 W 163RD TER OLATHE, KS 66062 | AFLAC | $20 | — | $20 | 0.02% |
| HAUGHT FINANCIAL GRP INC3 | P O 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% |
| ROBERT R CUNDIFF3 | 8508 FERNDALE RD LOUISVILLE, KY 40291 | AFLAC | $17 | — | $17 | 0.02% |
| CECIL T SALMON3 | 27 RAMBLEWOOD DR PALM COAST, FL 32164 | AFLAC | $16 | — | $16 | 0.01% |
| JOSE ANSELMO QUINTERO JR3 | 3924 CAMBAY PL JACKSONVILLE, FL 32210 | AFLAC | $16 | — | $16 | 0.01% |
| DAVID K MOBLEY3 | 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% |
| JEFFREY M SINTAY3 | 5300 OAKBROOK PKWY STE 300 STE 350 NORCROSS, GA 30093 | AFLAC | $11 | — | $11 | 0.01% |
| JOEY C ADAMS3 | P O BOX 729 OCALA, FL 34478 | AFLAC | $10 | — | $10 | 0.01% |
| AARON ANTHONY3 | 1700 FOUNTAIN CT APT 1303 COLUMBUS, GA 31904 | AFLAC | $10 | — | $10 | 0.01% |
| EBERHART & ASSOCIATES INC3 | 11097 PARKSIDE PRESERVE WAY JACKSONVILLE, FL 32257 | AFLAC | $10 | — | $10 | 0.01% |
| PHILIP L GREEN3 | 3948 3RD ST S STE 175 JACKSONVILLE BEACH, FL 32250 | AFLAC | $9 | — | $9 | 0.01% |
| MARIE ADELINE QUINTERO3 | 3924 CAMBAY PL JACKSONVILLE, FL 32210 | AFLAC | $8 | — | $8 | 0.01% |
| FIRST COMMUNITY FINANCIAL SVCS INC3 | 505 HAINES AVE WAYCROSS, GA 30339 | AFLAC | $6 | — | $6 | 0.01% |
| JEFFREY M SINTAY3 | 100 GALLERIA PKWY SE STE 900 ATLANTA, GA 30339 | AFLAC | $6 | — | $6 | 0.01% |
| VICKI M DICKERT3 | 3264 ADDISON LN TALLAHASSEE, FL 32317 | AFLAC | $6 | — | $6 | 0.01% |
| SETH O AKERS3 | 362 WILLOWBROOK DR FISHERVILLE, KY 40023 | AFLAC | $6 | — | $6 | 0.01% |
| MARK GALVIN LLC3 | 204 DEERFIELD HILLS RD ELIZABETHTOWN, KY 42701 | AFLAC | $5 | — | $5 | 0.00% |
| TRACI R BATTEN3 | 375 HARBOUR COVE DR APT 323 SPARKS, NV 89434 | AFLAC | $5 | — | $5 | 0.00% |
| BRANDON C ADAMS3 | 268 SW SHOREWOOD DR DUNNELLON, FL 34431 | AFLAC | $4 | — | $4 | 0.00% |
| REBECCA ANN DOEPKE3 | 328 E MAIN ST LOUISVILLE, KY 40202 | AFLAC | $4 | — | $4 | 0.00% |
| ASHLEY CROOK3 Filed as: ASHLEY L CROOK | 3187 ESSEX PLACE DR MOBILE, AL 36695 | AFLAC | $2 | — | $2 | 0.00% |
| MARK C LEE3 | 11500 COUNTY LINE RD MIDLAND, GA 31820 | AFLAC | $2 | — | $2 | 0.00% |
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 | 233 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 506 | $2.5M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 506 | $2.5M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 506 | $2.5M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 306 | $140K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 306 | $140K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 306 | $140K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 306 | $252K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 506 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.