| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC | 1200 PLANTATION ISLAND DR S STE 210 SAINT AUGUSTINE, FL 32080 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $61K | $61K | 4.56% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC | 1200 PLANTATION ISLAND DR S STE 210 SAINT AUGUSTINE, FL 32080 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | — | $12K | 12.79% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC | 1200 PLANTATION ISLAND DR S STE 210 SAINT AUGUSTINE, FL 32080 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 9.77% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 S. CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $235 | $235 | 0.32% |
| JEREMY C ALFORD3 | 2606 NW 19TH WAY GAINESVILLE, FL 32605 | AFLAC | $2K | — | $2K | 3.74% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL | 1200 PLANTATION ISLAND DR S STE 210 ST. AUGUSTINE, FL 32080 | AFLAC | $548 | — | $548 | 1.22% |
| SOTERIA S MALLARD3 | 6529 NW 36TH TER GAINESVILLE, FL 32653 | AFLAC | $464 | $47 | $511 | 1.14% |
| GSL MARKETING INC3 | PO BOX 358198 GAINESVILLE, FL 32635 | AFLAC | $410 | $11 | $421 | 0.94% |
| C H ROBINSON & ASSOCIATES INC3 Filed as: C H ROBINSON & ASSOCIATES | 9969 NW 16TH RD GAINESVILLE, FL 32606 | AFLAC | $274 | — | $274 | 0.61% |
| ANGEL E HILL3 | 24921 NE 136TH LN SALT SPRINGS, FL 32134 | AFLAC | $234 | — | $234 | 0.52% |
| JOSHUA T HILL3 | 24921 NE 136TH LN FORT MC COY, FL 32134 | AFLAC | $177 | $11 | $188 | 0.42% |
| LANCE ACKERMAN3 Filed as: LANCE N ACKERMAN | 5010 N 9TH ST TAMPA, FL 33603 | AFLAC | $133 | — | $133 | 0.30% |
| CHARLES HARTHUN3 Filed as: CHARLES BRYAN HARTHUN | 419 TYLER TRL JAMESTOWN, TN 38556 | AFLAC | $106 | — | $106 | 0.24% |
| JOEY C ADAMS3 | 317 NORTHEAST 36TH AVE STE 6 OCALA, FL 34470 | AFLAC | $78 | — | $78 | 0.17% |
| TAMMY SUZETTE SHIPP3 | 14341 NW 78TH AVE TRENTON, FL 32693 | AFLAC | $72 | — | $72 | 0.16% |
| VICKI M DICKERT3 | 103 LAUGHING GULL LN CARRABELLE, FL 32322 | AFLAC | $70 | — | $70 | 0.16% |
| CARL FRANKLIN ARNOLD3 | 10870 SE 72ND TER BELLEVIEW, FL 34420 | AFLAC | $63 | — | $63 | 0.14% |
| WAYLON MOCK3 | 6541 WHIPORWILL LN MILTON, FL 32583 | AFLAC | $59 | — | $59 | 0.13% |
| TROY DANIEL DESLATTE3 | 107 SHADY PARK DR LAFAYETTE, LA 70508 | AFLAC | $55 | — | $55 | 0.12% |
| KIMBERLY A HOOIE3 | 8807 SW 137TH AVE ARCHER, FL 32618 | AFLAC | $49 | — | $49 | 0.11% |
| VERA I CRUICE3 | 11445 DRAKEWOOD CT JACKSONVILLE, FL 32223 | AFLAC | $42 | — | $42 | 0.09% |
| JERRY ALFORD3 | 40374 SW FOREST ROAD 181 BRISTOL, FL 32321 | AFLAC | $41 | — | $41 | 0.09% |
| J C ADAMS INC3 | 5631 NE 31ST TER OCALA, FL 34479 | AFLAC | $38 | — | $38 | 0.08% |
| RUBICON REGION LLC3 | 1862 KEYSTONE PL SCHAUMBURG, IL 60193 | AFLAC | $32 | — | $32 | 0.07% |
| TRAVIS P LEBLANC3 | 1413 ODONNEL RD NEW IBERIA, LA 70560 | AFLAC | $30 | — | $30 | 0.07% |
| ASSURANCE AGENCY LTD3 Filed as: CHERRY ASSURANCE GROUP, INC. | 1425 PIEDMONT DR E STE 101B TALLAHASSEE, FL 32308 | AFLAC | $30 | — | $30 | 0.07% |
| BRITTNEY ALFORD3 Filed as: BRITTNEY A ALFORD | 5600 COLLINSWOOD DR MILTON, FL 32583 | AFLAC | $24 | — | $24 | 0.05% |
| CHRIS GUZEWICH3 | 1007 DRAKEFEATHER DR ORANGE PARK, FL 32065 | AFLAC | $23 | — | $23 | 0.05% |
| CHRISTOPHER W GRAHAM3 Filed as: CHRISTOPHER D LEE | 27251 WESLEY CHAPEL BLVD STE B14 #753 WESLEY CHAPEL, FL 33544 | AFLAC | $22 | — | $22 | 0.05% |
| J W GRIMES INC3 | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $17 | — | $17 | 0.04% |
| JEFFREY NELSON3 Filed as: JEFFREY C NELSON | 9838 RED BAY LOOP LAND O LAKES, FL 34637 | AFLAC | $14 | — | $14 | 0.03% |
| JOEY C ADAMS3 | 317 NORTHEAST 36TH AVE SUITE 6 OCALA, FL 34470 | AFLAC | $14 | — | $14 | 0.03% |
| JOHNNY C DINGESS3 | 122 SW MUSKET PL LAKE CITY, FL 32025 | AFLAC | $14 | — | $14 | 0.03% |
| JAMIE PITTNER3 | 2749 BURNING TREE LN CLEARWATER, FL 33761 | AFLAC | $13 | — | $13 | 0.03% |
| CHARISSE ALFORD3 | 11628 NW 9TH LN GAINESVILLE, FL 32606 | AFLAC | $13 | — | $13 | 0.03% |
| JIMMY LEON JOHNSON3 | 411 WALNUT ST #16846 GREEN COVE SPRINGS, FL 32043 | AFLAC | $13 | — | $13 | 0.03% |
| THOMAS JAMES OLLER3 | 2410 SOUTHERN LINKS DR FLEMING ISLAND, FL 32003 | AFLAC | $11 | — | $11 | 0.02% |
| JOEY C ADAMS3 | PO BOX 729 OCALA, FL 34478 | AFLAC | $11 | — | $11 | 0.02% |
| BRANDY DAUGHERTY3 | 10350 NE HIGHWAY 315 FORT MCCOY, FL 32134 | AFLAC | $9 | — | $9 | 0.02% |
| BRIAN WHITE3 Filed as: BRIAN HANLEY | 1862 KEYSTONE PL SCHAUMBURG, IL 60193 | AFLAC | $9 | — | $9 | 0.02% |
| SHADEL & ASSOCIATES LLC3 | 3100 BLUFF LN HILLSBOROUGH, NC 27278 | AFLAC | $1 | $7 | $8 | 0.02% |
| BETH LUANNE KIMBROUGH3 | 15 N INDIAN RIVER DR APT 705 COCOA, FL 32922 | AFLAC | $7 | — | $7 | 0.02% |
| BRIAN WHITE3 Filed as: BRIAN HANLEY | 3719 SW 74TH DR GAINESVILLE, FL 32608 | AFLAC | $6 | — | $6 | 0.01% |
| JAMES R MIRABELLI3 | 3683 W. LAKE ESTATES DR DAVIE, FL 33328 | AFLAC | $6 | — | $6 | 0.01% |
| ROBERT L TRAPNELL JR3 | 15 N INDIAN RIVER DR APT 705 COCOA, FL 32922 | AFLAC | $6 | — | $6 | 0.01% |
| CECIL T SALMON3 | 27 RAMBLEWOOD DR PALM COAST, FL 32164 | AFLAC | $5 | — | $5 | 0.01% |
| JEFFREY M SINTAY3 | 5300 OAKBROOK PARKWAY STE 300 STE 350 NORCROSS, GA 30093 | AFLAC | $4 | — | $4 | 0.01% |
| BRANDON C ADAMS3 | 106 SW 38TH ST GAINESVILLE, FL 32607 | AFLAC | $4 | — | $4 | 0.01% |
| AARON ANTHONY3 | 1700 FOUNTAIN CT APT 1303 COLUMBUS, GA 31904 | AFLAC | $4 | — | $4 | 0.01% |
| ROBERT P FERRONE3 | 262 AUTUMN TRAIL WAY WAVERLY HALL, GA 31831 | AFLAC | $3 | — | $3 | 0.01% |
| MARIE MICHELE HASKELL3 | PO BOX 440307 JACKSONVILLE, FL 32222 | AFLAC | $2 | — | $2 | 0.00% |
| JAMES (JAY) GRIMES3 Filed as: JAMES J GRIMES | 554 ROBERT WILLIAMS RD PINE MOUNTAIN, GA 31822 | AFLAC | $1 | — | $1 | 0.00% |
| MARK C LEE3 | 11500 COUNTY LINE RD MIDLAND, GA 31820 | AFLAC | $1 | — | $1 | 0.00% |
| JIMMY LEON JOHNSON3 | 40 AVERY ST ST. AUGUSTINE, FL 32084 | AFLAC | $1 | — | $1 | 0.00% |
| BRANDON C ADAMS3 | 268 SW SHOREWOOD DR DUNNELLON, FL 34431 | AFLAC | $1 | — | $1 | 0.00% |
| OMER S BASS IV3 | 565 W GATEWAY CT MERRITT ISLAND, FL 32952 | AFLAC | $0 | — | $0 | 0.00% |
| DAWN T SUCHECKI3 | 225 S WATER ST WILMINGTON, NC 28401 | AFLAC | $0 | — | $0 | 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 | 177 | 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) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 202 | $1.3M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 114 | $73K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 114 | $73K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 225 | $92K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 225 | $92K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 225 | $92K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 225 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.