| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE S STE 210 ST AUGUSTINE, FL 32080 | BLUE CROSS BLUE SHIELD OF FLORIDA | $17K | — | $17K | 6.00% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE S STE 210 ST AUGUSTINE, FL 32080 | BLUE CROSS BLUE SHIELD OF FLORIDA | $12K | — | $12K | 6.00% |
| SUSAN KNIGHT INS SERV INC3 Filed as: SUSAN KNIGHT | 2703 OCEAN DRIVE 2 2ND FLOOR JACKSONVILLE BEACH, FL 32250 | AFLAC ACCOUNT X9506 LEONARD'S PHOTOGRAPHY | $4K | $86 | $4K | 10.11% |
| DAVID ABOULAFIA3 | 1 SPENCER STREET ST AUGUSTINE, FL 32084 | AFLAC ACCOUNT X9506 LEONARD'S PHOTOGRAPHY | $1K | $34 | $1K | 3.24% |
| MARK BAILEY3 | 1200 PLANTATION ISLAND DRIVE S STE 210 ST AUGUSTINE, FL 32080 | AFLAC ACCOUNT X9506 LEONARD'S PHOTOGRAPHY | $900 | $43 | $943 | 2.49% |
| MARK LISNER3 | 153 BLANDING BLVD STE 3 JACKSONVILLE, FL 32073 | AFLAC ACCOUNT X9506 LEONARD'S PHOTOGRAPHY | $534 | $12 | $546 | 1.44% |
| DAVID MARKS3 | 4021 WE HECK COURT BLDG J BATON ROUGE, LA 70816 | AFLAC ACCOUNT X9506 LEONARD'S PHOTOGRAPHY | $296 | $22 | $318 | 0.84% |
| FRANK HARGARTEN III3 | 1140 MOSSY ROCK ROAD NW KENNESAW, GA 30152 | AFLAC ACCOUNT X9506 LEONARD'S PHOTOGRAPHY | $235 | — | $235 | 0.62% |
| ALYSSA SANDAK3 | 4053 TWILIGHT DRIVE COLUMBUS, GA 31909 | AFLAC ACCOUNT X9506 LEONARD'S PHOTOGRAPHY | $164 | $28 | $192 | 0.51% |
| SUSAN KNIGHT INS SERV INC3 Filed as: SUSAN KNIGHT | 2703 OCEAN DRIVE S 2ND FLOOR JACKSONVILLE, FL 32250 | AFLAC ACCOUNT X9506 LEONARD'S PHOTOGRAPHY | $119 | $32 | $151 | 0.40% |
| MICHAEL J YOUNG3 Filed as: MICHAEL YOUNG | 3600 ORANGE PICKER ROAD JACKSONVILLE, FL 32223 | AFLAC ACCOUNT X9506 LEONARD'S PHOTOGRAPHY | $85 | — | $85 | 0.22% |
| SANDRA MATHIS3 | 7310 NORTH LAKE DRIVE STE B COLUMBUS, GA 31909 | AFLAC ACCOUNT X9506 LEONARD'S PHOTOGRAPHY | $60 | $10 | $70 | 0.18% |
| TROY DANIEL DESLATTE3 Filed as: TROY DESLATTE | 107 SHADY PARK DRIVE LAFAYETTE, LA 70508 | AFLAC ACCOUNT X9506 LEONARD'S PHOTOGRAPHY | $58 | — | $58 | 0.15% |
| THOMAS JAMES OLLER3 Filed as: THOMAS OLLER | 49 SWIMMING PEN DRIVE MIDDLEBURG, FL 32068 | AFLAC ACCOUNT X9506 LEONARD'S PHOTOGRAPHY | $58 | — | $58 | 0.15% |
| DAVID K MOBLEY3 Filed as: DAVID MOBLEY | 3812 VALVERDE CIRCLE JACKSONVILLE, FL 32224 | AFLAC ACCOUNT X9506 LEONARD'S PHOTOGRAPHY | $52 | — | $52 | 0.14% |
| THE HORTON GROUP3 Filed as: R HORTON GRIFFIN JR | 116 N DAWSON STREET THOMASVILLE, GA 31792 | AFLAC ACCOUNT X9506 LEONARD'S PHOTOGRAPHY | $47 | — | $47 | 0.12% |
| JOHN E CARTER III3 Filed as: JOHN CARTER III | 313 TROOP DRIVE FORSTON, GA 31808 | AFLAC ACCOUNT X9506 LEONARD'S PHOTOGRAPHY | $32 | $10 | $42 | 0.11% |
| ROBERT MARION KNIGHT3 Filed as: ROBERT KNIGHT | 3703 OCEAN DRIVE S JACKSONVILLE BEACH, FL 32250 | AFLAC ACCOUNT X9506 LEONARD'S PHOTOGRAPHY | $32 | $8 | $40 | 0.11% |
| BETH LUANNE KIMBROUGH3 Filed as: BETH KIMBROUGH | 6750 N ANDREWS AVENUE STE 200 FT LAUDERDALE, FL 33309 | AFLAC ACCOUNT X9506 LEONARD'S PHOTOGRAPHY | $33 | — | $33 | 0.09% |
| BRANDON C ADAMS3 Filed as: BRANDON ADAMS | 74 CROWN COLONY ROAD ST AUGUSTINE, FL 32092 | AFLAC ACCOUNT X9506 LEONARD'S PHOTOGRAPHY | $31 | — | $31 | 0.08% |
| GARY JORDAN3 | 1 SPENCER STREET ST AUGUSTINE, FL 32084 | AFLAC ACCOUNT X9506 LEONARD'S PHOTOGRAPHY | $19 | — | $19 | 0.05% |
| JAMES ARTHUR HARBOUR3 Filed as: JAMES HARBOUR | 1100 ALAKEA STREET SUITE 3200 HONOLULU, HI 96813 | AFLAC ACCOUNT X9506 LEONARD'S PHOTOGRAPHY | $19 | — | $19 | 0.05% |
| J C ADAMS INC3 Filed as: JC ADAMS INC | 5631 NE 31ST TERRACE OCALA, FL 34479 | AFLAC ACCOUNT X9506 LEONARD'S PHOTOGRAPHY | $16 | — | $16 | 0.04% |
| JIMMY LEON JOHNSON3 Filed as: JIMMY JOHNSON | 28 MAGNOLIA AVENUE ST AUGUSTINE, FL 32084 | AFLAC ACCOUNT X9506 LEONARD'S PHOTOGRAPHY | $15 | — | $15 | 0.04% |
| J W GRIMES INC3 Filed as: JW GRIMES INC | 6165 WATERFORD ROAD COLUMBUS, GA 31904 | AFLAC ACCOUNT X9506 LEONARD'S PHOTOGRAPHY | $13 | — | $13 | 0.03% |
| SUSAN DENISE GROVES3 Filed as: SUSAN GROVES | 1012 LAKE NORMAN LANE LELAND, NC 28451 | AFLAC ACCOUNT X9506 LEONARD'S PHOTOGRAPHY | $12 | — | $12 | 0.03% |
| DONNA WALKER3 | 4544 PALMETTO COVE LANE JACKSONVILLE, FL 32258 | AFLAC ACCOUNT X9506 LEONARD'S PHOTOGRAPHY | $11 | — | $11 | 0.03% |
| ROBERT L TRAPNELL JR3 Filed as: ROBERT TRAPNELL JR | 19 N INDIAN RIVER DRIVE APT 701 COCOA, FL 32922 | AFLAC ACCOUNT X9506 LEONARD'S PHOTOGRAPHY | $8 | — | $8 | 0.02% |
| JAMES R MIRABELLI3 Filed as: JAMES MIRABELLI | 99 SW MIZNER BLVD APT 843 BOCA RATON, FL 33432 | AFLAC ACCOUNT X9506 LEONARD'S PHOTOGRAPHY | $8 | — | $8 | 0.02% |
| CECIL T SALMON3 Filed as: CECIL SALMON | 95 EDWARD DRIVE PALM COAST, FL 32164 | AFLAC ACCOUNT X9506 LEONARD'S PHOTOGRAPHY | $5 | — | $5 | 0.01% |
| MICHELE HASKELL3 | PO BOX 440307 JACKSONVILLE, FL 32222 | AFLAC ACCOUNT X9506 LEONARD'S PHOTOGRAPHY | $5 | — | $5 | 0.01% |
| JASON BODDIE3 | 10175 FORTUNE PARKWAY UNIT 604 JACKSONVILLE, FL 32256 | AFLAC ACCOUNT X9506 LEONARD'S PHOTOGRAPHY | $4 | — | $4 | 0.01% |
| VICKI M DICKERT3 Filed as: VICKI DICKERT | 258 SEAVIEW AVENUE DAYTONA BEACH, FL 32118 | AFLAC ACCOUNT X9506 LEONARD'S PHOTOGRAPHY | $3 | — | $3 | 0.01% |
| ROBERT P FERRONE3 Filed as: ROBERT FERRONE | 1701 WILLIAMS COURT APT 202 COLUMBUS, GA 31904 | AFLAC ACCOUNT X9506 LEONARD'S PHOTOGRAPHY | $3 | — | $3 | 0.01% |
| JIMMY D BOONE3 Filed as: JIMMY BOONE | 5346 DOMINICA CIRCLE SARASOTA, FL 34233 | AFLAC ACCOUNT X9506 LEONARD'S PHOTOGRAPHY | $3 | — | $3 | 0.01% |
| AARON ANTHONY3 | 1700 FOUNTAIN COURT APT 1303 COLUMBUS, GA 31904 | AFLAC ACCOUNT X9506 LEONARD'S PHOTOGRAPHY | $2 | — | $2 | 0.01% |
| JAMES HARRIS3 | 6329 RIVERMONT COURT COLUMBUS, GA 31904 | AFLAC ACCOUNT X9506 LEONARD'S PHOTOGRAPHY | $1 | — | $1 | 0.00% |
| MARK C LEE3 Filed as: MARK LEE | 1444 SOUTH 17TH STREET WILMINGTON, SC 28401 | AFLAC ACCOUNT X9506 LEONARD'S PHOTOGRAPHY | $1 | — | $1 | 0.00% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE S STE 210 ST AUGUSTINE, FL 32080 | FLORIDA COMBINED LIFE | $4K | — | $4K | 16.46% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DRIVE S STE 210 ST AUGUSTINE, FL 32080 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $213 | $2K | 21.99% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HIGHWAY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $59 | $59 | 0.60% |
| SUSAN KNIGHT INS SERV INC3 | 2703 OCEAN DRIVE S 2ND FLOOR JACKSONVILLE BEACH, FL 32250 | AFLAC | $181 | — | $181 | 2.68% |
| FRAN C HARGARTEN III3 Filed as: FRAN HARGARTEN III | 1140 MOSSY ROCK ROAD NW KENNESAW, GA 30152 | AFLAC | $125 | — | $125 | 1.85% |
| MARK BAILEY3 | 1200 PLANTATION ISLAND DRIVE S STE 210 ST AUGUSTINE, FL 32080 | AFLAC | $104 | — | $104 | 1.54% |
| DAVID ABOULAFIA3 | 1 SPENCER STREET ST AUGUSTINE, FL 32084 | AFLAC | $72 | — | $72 | 1.06% |
| DAVID MARKS3 | 4021 WE HECK COURT BLDG J BATON ROUGE, LA 70816 | AFLAC | $51 | — | $51 | 0.75% |
| MICHAEL J YOUNG3 Filed as: MICHAEL YOUNG | 2600 ORANGE PICKER ROAD JACKSONVILLE, FL 32223 | AFLAC | $47 | — | $47 | 0.69% |
| THE HORTON GROUP3 Filed as: R HORTON GRIFFIN JR | 116 N DAWSON STREET THOMASVILLE, GA 31792 | AFLAC | $39 | — | $39 | 0.58% |
| DAVID K MOBLEY3 Filed as: DAVID MOBLEY | 3812 VALVERDE CIRCLE JACKSONVILLE, FL 32258 | AFLAC | $29 | — | $29 | 0.43% |
| DONNA WALKER3 | 4544 PALMETTO COVE LANE JACKSONVILLE, FL 32258 | AFLAC | $24 | — | $24 | 0.35% |
| CHRIS GUZEWICH3 | 1007 DRAKE FEATHER DRIVE ORANGE PARK, FL 32065 | AFLAC | $22 | — | $22 | 0.33% |
| J W GRIMES INC3 Filed as: JW GRIMES INC | 6165 WATERFORD ROAD COLUMBUS, GA 31904 | AFLAC | $16 | — | $16 | 0.24% |
| GARY JORDAN3 | 1 SPENCER STREET ST AUGUSTINE, FL 32084 | AFLAC | $15 | — | $15 | 0.22% |
| J C ADAMS INC3 Filed as: JC ADAMS INC | 5631 NE 31ST TERRACE OCALA, FL 34479 | AFLAC | $15 | — | $15 | 0.22% |
| THOMAS JAMES OLLER3 Filed as: THOMAS OLLER | 49 SWIMMING PEN DRIVE MIDDLEBURG, FL 32068 | AFLAC | $13 | — | $13 | 0.19% |
| JIMMY D BOONE3 Filed as: JIMMY BOONE | 5346 DOMINICA CIRCLE SARASOTA, FL 34233 | AFLAC | $11 | — | $11 | 0.16% |
| BRANDON C ADAMS3 Filed as: BRANDON ADAMS | 74 CROWN COLONY ROAD ST AUGUSTINE, FL 32092 | AFLAC | $11 | — | $11 | 0.16% |
| MARK LISNER3 | 153 BLANDING BLVD STE 3 ORANGE PARK, FL 32073 | AFLAC | $10 | — | $10 | 0.15% |
| BETH LUANNE KIMBROUGH3 Filed as: BETH KIMBROUGH | 6750 N ANDREWS AVENUE STE 200 FT LAUDERDALE, FL 33309 | AFLAC | $8 | — | $8 | 0.12% |
| JAMES ARTHUR HARBOUR3 Filed as: JAMES HARBOUR | 1100 ALAKEA STREET SUITE 3200 HONOLULU, HI 96813 | AFLAC | $5 | — | $5 | 0.07% |
| TROY DANIEL DESLATTE3 Filed as: TROY DESLATTE | 107 SHADY PARK DRIVE LAFAYETTE, LA 70508 | AFLAC | $5 | — | $5 | 0.07% |
| JAMES R MIRABELLI3 Filed as: JAMES MIRABELLI | 99 SW MIZNER BLVD APT 843 BOCA RATON, FL 33432 | AFLAC | $2 | — | $2 | 0.03% |
| ROBERT P FERRONE3 Filed as: ROBERT FERRONE | 1701 WILLIAMS COURT APT 202 COLUMBUS, GA 31904 | AFLAC | $2 | — | $2 | 0.03% |
| ROBERT L TRAPNELL JR3 Filed as: ROBERT TRAPNELL JR | 19 N INDIAN RIVER DRIVE APT 701 COCOA, FL 32922 | AFLAC | $2 | — | $2 | 0.03% |
| JIMMY LEON JOHNSON3 Filed as: JIMMY JOHNSON | 28 MAGNOLIA AVENUE ST AUGUSTINE, FL 32084 | AFLAC | $1 | — | $1 | 0.01% |
| CECIL T SALMON3 Filed as: CECIL SALMON | 95 EDWARD DRIVE PALM COAST, FL 32164 | AFLAC | $1 | — | $1 | 0.01% |
| MARK C LEE3 Filed as: MARK LEE | 1444 SOUTH 17TH STREET WILMINGTON, NC 28401 | AFLAC | $1 | — | $1 | 0.01% |
| JAMES HARRIS3 | 6329 RIVERMONT COURT COLUMBUS, GA 31904 | AFLAC | $1 | — | $1 | 0.01% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE S STE 210 ST AUGUSTINE, FL 32080 | COMPBENEFITS COMPANY | $658 | $301 | $959 | 15.95% |
| CHARLES B ZITSMAN4 | 3521 KINGS ROAD S ST AUGUSTINE, FL 32086 | PRE-PAID LEGAL SERVICES INC, DBA LEGAL SHIELD | $123 | — | $123 | 17.93% |
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 | 114 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 47 | $498K |
| Dental | FLORIDA COMBINED LIFE | 66 | $26K |
| Vision | COMPBENEFITS COMPANY | 54 | $6K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 114 | $10K |
| Other(3 contracts, 3 carriers) | AFLAC ACCOUNT X9506 LEONARD'S PHOTOGRAPHY | 42 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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.