| 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 | $24K | $60K | $85K | 2.91% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES INC | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | UNITED HEALTHCARE INSURANCE COMPANY | $20K | $34K | $55K | 1.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 0.14% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES INC | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $13K | — | $13K | 8.83% |
| MARK BAILEY3 | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | — | $11K | 7.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD 5TH FL ROLLING MEADOWS, IL 60008 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 1.51% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $489 | $489 | 0.32% |
| SALLY L PITTMAN3 Filed as: SALLY L. PITTMAN | 9372 COXWELL LN JACKSONVILLE, FL 32221 | AFLAC | $2K | $108 | $2K | 2.25% |
| SHELLIE GASKINS3 Filed as: SHELLIE L. GASKINS | 510 22ND ST ST AUGUSTINE, FL 32084 | AFLAC | $1K | $129 | $2K | 1.53% |
| DENNIS PITTMAN3 | 9372 COXWELL LN JACKSONVILLE, FL 32221 | AFLAC | $1K | — | $1K | 1.07% |
| THOMAS JAMES OLLER3 | 2410 SOUTHERN LINKS DR FLEMING ISLAND, FL 32003 | AFLAC | $912 | — | $912 | 0.91% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOC INC | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | AFLAC | $676 | — | $676 | 0.67% |
| KEGAN NICOLE GONZALEZ3 | 153 BLANDING BLVD STE 3 ORANGE PARK, FL 32073 | AFLAC | $616 | $43 | $659 | 0.66% |
| MARK A LINSNER3 | 10375 CENTURION PKWY N STE 100 JACKSONVILLE, FL 32256 | AFLAC | $591 | $56 | $647 | 0.64% |
| JIMMY D BOONE3 Filed as: JIMMY D. BOONE | 5346 DOMINICA CIR SARASOTA, FL 34233 | AFLAC | $448 | — | $448 | 0.45% |
| DAVID C SWEIGARD3 Filed as: DAVID C. SWEIGARD | 2603 PELLICER RD SAINT AUGUSTINE, FL 32092 | AFLAC | $303 | — | $303 | 0.30% |
| GLORIA MEARES3 Filed as: GLORIA LYNN MEARES | 2734 HOLLY POINT RD E ORANGE PARK, FL 32073 | AFLAC | $213 | — | $213 | 0.21% |
| JOEY C ADAMS3 | 317 NORTHEAST 36TH AVE STE 6 OCALA, FL 34470 | AFLAC | $169 | — | $169 | 0.17% |
| MILLER MILLER BRADWISH & MILLER PA3 Filed as: MILLER MILLER BRADWISH MILLER | PO BOX 10099 JACKSONVILLE, FL 32247 | AFLAC | $134 | — | $134 | 0.13% |
| JASON BODDIE3 Filed as: JASON ISRAEL BODDIE | 5242 LOUIS LN MIDDLEBURG, FL 32068 | AFLAC | $126 | — | $126 | 0.13% |
| DAVID MARKS3 | 4021 WE HECK CT STE J BATON ROUGE, LA 70816 | AFLAC | $123 | — | $123 | 0.12% |
| TUBER AND ASSOCIATES CORP3 | 153 BLANDING BLVD STE 3 ORANGE PARK, FL 32073 | AFLAC | $123 | — | $123 | 0.12% |
| TROY DANIEL DESLATTE3 | 107 SHADY PARK DR LAFAYETTE, LA 70508 | AFLAC | $121 | — | $121 | 0.12% |
| DAVID MARKS3 | 14161 PARK SQUARE DR BATON ROUGE, LA 70810 | AFLAC | $120 | — | $120 | 0.12% |
| TAMARA ANN HAYGOOD3 | 3017 ANGORA BAY DR MIDDLEBURG, FL 32068 | AFLAC | $112 | — | $112 | 0.11% |
| DAVID ABOULAFIA3 Filed as: DAVID SCOTT ABOULAFIA | 1 SPENCER ST SAINT AUGUSTINE, FL 32084 | AFLAC | $94 | — | $94 | 0.09% |
| JEREMY M HASKELL3 Filed as: JEREMY M. HASKELL | 430 RYDER CUP LN CLEMMONS, NC 27012 | AFLAC | $66 | — | $66 | 0.07% |
| TRAVIS P LEBLANC3 Filed as: TRAVIS P. LEBLANC | 1413 ODONNEL RD NEW IBERIA, LA 70560 | AFLAC | $60 | — | $60 | 0.06% |
| RYAN SCOTT SHADEL3 | 4801 GLENWOOD AVE STE 200 RALEIGH, NC 27612 | AFLAC | $54 | — | $54 | 0.05% |
| WAYNE MEARES3 Filed as: WAYNE E. MEARES | 2734 HOLLY POINT RD E ORANGE PARK, FL 32073 | AFLAC | $54 | — | $54 | 0.05% |
| FRANK P ANDERSON & ASSOC INC3 Filed as: FRANK P. ANDERSON & ASSOC INC | 14286 BEACH BLVD STE 19 PMB 348 JACKSONVILLE, FL 32250 | AFLAC | $48 | — | $48 | 0.05% |
| ARW BENEFITS LLC3 | 210 16TH ST UNIT K ST AUGUSTINE, FL 32080 | AFLAC | $46 | — | $46 | 0.05% |
| JIMMY LEON JOHNSON3 | 40 AVERY ST SAINT AUGUSTINE, FL 32084 | AFLAC | $40 | — | $40 | 0.04% |
| JERRY WORLEY3 Filed as: JERRY L. WORLEY | 6 DORSET A BOCA RATON, FL 33434 | AFLAC | $32 | — | $32 | 0.03% |
| VICKI M DICKERT3 Filed as: VICKI M. DICKERT | 103 LAUGHING GULL LN CARRABELLE, FL 32322 | AFLAC | $31 | — | $31 | 0.03% |
| ROBERT P FERRONE3 Filed as: ROBERT P. FERRONE | 262 AUTUMN TRAIL WAY WAVERLY HALL, GA 31831 | AFLAC | $28 | — | $28 | 0.03% |
| SHADEL & ASSOCIATES LLC3 | 3100 BLUFF LN HILLSBOROUGH, NC 27278 | AFLAC | $27 | — | $27 | 0.03% |
| ELAINE COX3 | 3355 DOROTHEA RD JACKSONVILLE, FL 32216 | AFLAC | $26 | — | $26 | 0.03% |
| BETH LUANNE KIMBROUGH3 | 6750 N ANDREWS AVE STE 200 FT LAUDERDALE, FL 33309 | AFLAC | $23 | — | $23 | 0.02% |
| JAMES R MIRABELLI3 Filed as: JAMES R. MIRABELLI | 801 BRINY AVE APT 1403 POMPANO BEACH, FL 33062 | AFLAC | $20 | — | $20 | 0.02% |
| ALGERINE COX3 Filed as: ALGERINE B. COX | 3355 DOROTHEA RD JACKSONVILLE, FL 32216 | AFLAC | $19 | — | $19 | 0.02% |
| ROBERT R CUNDIFF3 | 8508 FERNDALE RD LOUISVILLE, KY 40291 | AFLAC | $18 | — | $18 | 0.02% |
| MARIE MICHELE HASKELL3 | PO BOX 440307 JACKSONVILLE, FL 32222 | AFLAC | $18 | — | $18 | 0.02% |
| CECIL T SALMON3 | 27 RAMBLEWOOD DR PALM COAST, FL 32164 | AFLAC | $16 | — | $16 | 0.02% |
| JOSE ANSELMO QUINTERO JR3 | 3924 CAMBAY PL JACKSONVILLE, FL 32210 | AFLAC | $16 | — | $16 | 0.02% |
| JEFFREY M SINTAY3 Filed as: JEFFREY M. SINTAY | 5300 OAKBROOK PKWY STE 300 STE 350 NORCROSS, GA 30093 | AFLAC | $12 | — | $12 | 0.01% |
| J W GRIMES INC3 Filed as: JW GRIMES INC | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $11 | — | $11 | 0.01% |
| EBERHART & ASSOCIATES INC3 | 11097 PARKSIDE PRESERVE WAY JACKSONVILLE, FL 32257 | AFLAC | $9 | — | $9 | 0.01% |
| AARON ANTHONY3 | 1700 FOUNTAIN CT APT 1303 COLUMBUS, GA 31904 | AFLAC | $9 | — | $9 | 0.01% |
| VERA I CRUICE3 Filed as: VERA I. CRUICE | 11445 DRAKEWOOD CT JACKSONVILLE, FL 32223 | AFLAC | $9 | — | $9 | 0.01% |
| PHILIP L GREEN3 Filed as: PHILIP L. GREEN | 276 BRIARWOOD LN PONTE VERDE BEACH, FL 32082 | AFLAC | $9 | — | $9 | 0.01% |
| DAVID K MOBLEY3 Filed as: DAVID K. MOBLEY | 3812 VALVERDE CIR JACKSONVILLE, FL 32224 | AFLAC | $8 | — | $8 | 0.01% |
| MARIE ADELINE QUINTERO3 | 3924 CAMBAY PL JACKSONVILLE, FL 32210 | AFLAC | $8 | — | $8 | 0.01% |
| SETH O AKERS3 Filed as: SETH O. AKERS | 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 Filed as: TRACI R. BATTEN | 375 HARBOUR COVE DR APT 323 SPARKS, NV 89434 | AFLAC | $5 | — | $5 | 0.00% |
| MARIE MICHELE HASKEL3 | 5023 EAGLE POINT DR JACKSONVILLE, FL 32444 | AFLAC | $4 | — | $4 | 0.00% |
| BRANDON C ADAMS3 Filed as: BRANDON C. ADAMS | 268 SW SHOREWOOD DR DUNNELLON, FL 34431 | AFLAC | $4 | — | $4 | 0.00% |
| REBECCA ANN DOEPKE3 | 9500 DEERFOOT TRCE APT 205 PROSPECT, KY 40059 | AFLAC | $4 | — | $4 | 0.00% |
| ROBERT VICTOR WOERNER II3 Filed as: ROBERT VICTOR WOERNER | 4000 GRANDE VISTA BLVD APT 124 ST AUGUSTINE, FL 32084 | AFLAC | $4 | — | $4 | 0.00% |
| FIRST COMMUNITY FINANCIAL SVCS INC3 | 505 HAINES AVE WAYCROSS, GA 31501 | AFLAC | $4 | — | $4 | 0.00% |
| JIMMY LEON JOHNSON3 | 411 WALNUT ST #16846 GREEN COVE SPRINGS, FL 32043 | AFLAC | $3 | — | $3 | 0.00% |
| ASHLEY CROOK3 Filed as: ASHLEY L. CROOK | 3187 ESSEX PLACE DR MOBILE, AL 36695 | AFLAC | $2 | — | $2 | 0.00% |
| MARK C LEE3 Filed as: MARK C. LEE | 11500 COUNTY LINE RD MIDLAND, GA 31820 | AFLAC | $1 | — | $1 | 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 | 252 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 552 | $2.9M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 552 | $2.9M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 552 | $2.9M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 328 | $151K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 328 | $151K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 328 | $151K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 328 | $252K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 552 | — |
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.