| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUSAN KNIGHT INS SERV INC3 Filed as: SUSAN KNIGHT | 2703 OCEAN DR JACKSONVILLE, FL 32250 | AFLAC | $2K | — | $2K | 3.74% |
| SUSAN KNIGHT INS SERV INC3 | 2703 OCEAN DR S JACKSONVILLE BEACH, FL 32250 | AFLAC | $2K | $221 | $2K | 3.72% |
| JERALD DEE LEWARK3 Filed as: JERALD DEE LEWARD | 6796 SCOTER DR MIDLAND, GA 31820 | AFLAC | $2K | — | $2K | 3.38% |
| PREMIER BENEFIT ADVISORS INC3 Filed as: PREMIER BENEFIT SERVICES LLC | 6298 GA HIGHWAY 36 W WOODLAND, GA 31836 | AFLAC | $411 | — | $411 | 0.82% |
| DAVID ABOULAFIA3 Filed as: DAVID SCOTT ABOULAFIA | 1 SPENCER ST SAINT AUGUSTINE, FL 32084 | AFLAC | $410 | — | $410 | 0.82% |
| MARK F BAILEY3 | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | AFLAC | $355 | — | $355 | 0.71% |
| JOHN E CARTER III3 | 313 TROOP DR FORTSON, GA 31808 | AFLAC | $344 | — | $344 | 0.69% |
| JAMEY MILLER INC3 Filed as: JAMEY J MILLER | 2202 57TH ST SE AUBURN, WA 98092 | AFLAC | $305 | $2 | $307 | 0.61% |
| JAMEY MILLER INC3 | 2202 57TH ST SE AUBURN, WA 98092 | AFLAC | $203 | $42 | $245 | 0.49% |
| AARON R MOBLEY3 | 13575 PICARSA DR JACKSONVILLE, FL 32225 | AFLAC | $229 | $6 | $235 | 0.47% |
| FRAN C HARGARTEN III3 | 1140 MOSSY ROCK RD NW KENNESAW, GA 30152 | AFLAC | $213 | — | $213 | 0.43% |
| DAVID MARKS3 | 4021 WE HECK CT STE J BATON ROUGE, LA 70816 | AFLAC | $168 | — | $168 | 0.34% |
| SANDRA C MATHIS3 | 7310 NORTH LAKE DR STE B COLUMBUS, GA 31909 | AFLAC | $160 | — | $160 | 0.32% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL | 1200 PLANTATION ISLAND DR S STE 210 SAINT AUGUSTINE, FL 32080 | AFLAC | $112 | — | $112 | 0.22% |
| AARON R MOBLEY3 | 12 SEATROUT ST PONTE VEDRA BEACH, FL 32082 | AFLAC | $66 | $39 | $105 | 0.21% |
| ALYSSA MARIE SANDAK3 | 138 KENDALL CT UPATOI, GA 31829 | AFLAC | $82 | — | $82 | 0.16% |
| MICHAEL J YOUNG3 | 200 ORANGE PARK RD JACKSONVILLE, FL 32223 | AFLAC | $82 | — | $82 | 0.16% |
| MARK A LINSNER3 | 10375 CENTURION PWKY STE 100 JACKSONVILLE, FL 32256 | AFLAC | $58 | — | $58 | 0.12% |
| TROY DANIEL DESLATTE3 | 107 SHADY PARK DR LAFAYETTE, LA 70508 | AFLAC | $50 | — | $50 | 0.10% |
| DAVID K MOBLEY3 | 3812 VALVERDE CIR JACKSONVILLE, FL 32224 | AFLAC | $50 | — | $50 | 0.10% |
| THOMAS JAMES OLLER3 | 2410 SOUTHERN LINKS DR FLEMING ISLAND, FL 32003 | AFLAC | $45 | — | $45 | 0.09% |
| THE HORTON GROUP3 Filed as: R HORTON GRIFFIN JR | 116 N DAWSON ST THOMASVILLE, GA 31792 | AFLAC | $43 | — | $43 | 0.09% |
| JAMEY MILLER INC3 Filed as: JAMEY MILL INC | 10375 CENTUION PKWY N STE 100 JACKSONVILLE, FL 32256 | AFLAC | $31 | — | $31 | 0.06% |
| BRANDON C ADAMS3 | 268 SW SHOREWOOD DR DUNNELLON, FL 34431 | AFLAC | $29 | — | $29 | 0.06% |
| GARY JORDAN3 Filed as: GARY W JORDAN | 127 COLOROADO SPRINGS WAY ST AUGUSTINE, FL 32092 | AFLAC | $19 | — | $19 | 0.04% |
| JAMES ARTHUR HARBOUR3 | 405 BARSCHALL DR COLUMBUS, GA 31904 | AFLAC | $19 | — | $19 | 0.04% |
| JIMMY LEON JOHNSON3 | 40 AVERY ST SAINT AUGUSTINE, FL 32084 | AFLAC | $17 | — | $17 | 0.03% |
| BATH LUANNE KIMBROUGH3 | 6750 N ANDREWS AVE STE 200 FT LAUDERDALE, FL 33309 | AFLAC | $17 | — | $17 | 0.03% |
| J W GRIMES INC3 Filed as: JW GRIMES INC | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $12 | — | $12 | 0.02% |
| DONNA WALKER3 Filed as: DONNA RAE WALKER | 4544 PALMETTO COVE LN JACKSONVILLE, FL 32258 | AFLAC | $10 | — | $10 | 0.02% |
| JOEY C ADAMS3 | 317 NORTHEASTER 36TH AVE SUITE 6 OCALA, FL 34470 | AFLAC | $9 | — | $9 | 0.02% |
| ROBERT L TRAPNELL JR3 | 15 N INDIAN RIVER DR APT 705 COCOA, FL 32922 | AFLAC | $8 | — | $8 | 0.02% |
| GRANT WELDON CARTER3 | 165 MORTON HOLW FORTSON, GA 31808 | AFLAC | $7 | — | $7 | 0.01% |
| MARK A LINSNER3 | 153 BLANDING BLVD STE 3 ORANGE PARK, FL 32073 | AFLAC | $6 | — | $6 | 0.01% |
| MARIE MICHELE HASKELL3 | 5023 EAGLE POINT DR JACKSONVILLE, FL 32244 | AFLAC | $5 | — | $5 | 0.01% |
| JAMEY MILLER INC3 Filed as: JAMEY J MILLER | 10375 CENTURION PKWY N STE 100 JACKSONVILLE, FL 32256 | AFLAC | $5 | — | $5 | 0.01% |
| J C ADAMS INC3 Filed as: JC ADAMS INC | 5631 NE 31ST TER OCALA, FL 34479 | AFLAC | $5 | — | $5 | 0.01% |
| ROBERT P FERRONE3 | 262 AUTUMN TRAIL WAY WAVERLY HALL, GA 31831 | AFLAC | $4 | — | $4 | 0.01% |
| JAMES R MIRABELLI3 | 801 BRINY AVE APT 1403 POMPANO BEACH, FL 33062 | AFLAC | $4 | — | $4 | 0.01% |
| VICKI M DICKERT3 | 3264 ADDISON LN TALLAHASSEE, FL 32317 | AFLAC | $3 | — | $3 | 0.01% |
| AARON ANTHONY3 | 1700 FOUNTAIN CT APT 1303 CLUMBUS, GA 31904 | AFLAC | $2 | — | $2 | 0.00% |
| JAMES ARTHUR HARBOUR3 | 1100 ALAKEA ST STE 3200 HONOLULU, HI 96813 | AFLAC | $2 | — | $2 | 0.00% |
| CECIL T SALMON3 | 27 RAMBLEWOOD DR PALM COAST, FL 32164 | AFLAC | $1 | — | $1 | 0.00% |
| JAMES (JAY) GRIMES3 Filed as: JAMES R HARRIS | 6329 RIVERMONT CT COLUMBUS, GA 31904 | AFLAC | $1 | — | $1 | 0.00% |
| MARK C LEE3 | 11500 COUNTY LINE RD MIDLAND, GA 31820 | AFLAC | $1 | — | $1 | 0.00% |
| VICKI M DICKERT3 | 103 LAUGHLIN GULL LN CARRABELLE, FL 32322 | AFLAC | $1 | — | $1 | 0.00% |
| GRANT WELDON CARTER3 | 313 TROOP DR FORTSON, GA 31808 | AFLAC | $1 | — | $1 | 0.00% |
| MARIE MICHELE HASKELL3 | PO BOX 440307 JACKSONVILLE, FL 32222 | AFLAC | $1 | — | $1 | 0.00% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC | 1200 PLANTATION ISLAND DR S STE 210 ST. AUGUSTINE, FL 32080 | FLORIDA COMBINED LIFE | $4K | — | $4K | 14.82% |
| FLORIDA BLUE3 Filed as: SCOTT, MARION | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $135 | — | $135 | 0.50% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND 210 ST AUGUSTINE, FL 32080 | THE LINCOLN LIFE INSURANCE COMPANY | $1K | $240 | $2K | 23.76% |
| MFB FINANCIAL INC3 | STE 210 1200 PLANTATION ISLAND DR ST AUGUTINE, FL 32080 | HUMANA INSURANCE COMPANY | $578 | $257 | $835 | 14.44% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLND 210 ST AUGUSTINE, FL 32080 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $201 | $1K | 23.96% |
| CHARLES B ZITSMAN4 | 3521 KINDS RD S ST AUGUSTINE, FL 32086 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $28 | — | $28 | 10.33% |
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 | 106 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | FLORIDA COMBINED LIFE | 68 | $27K |
| Vision | HUMANA INSURANCE COMPANY | 59 | $6K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN LIFE INSURANCE COMPANY | 106 | $11K |
| Other(3 contracts, 3 carriers) | AFLAC | 106 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 106 | — |
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.