| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFP FINANCIAL INC3 | 1200 PLANTATION ISLAND DR SUITE 210 SAINT AUGUSTINE, FL 32080 | HARTFORD LIFE AND ACCIDENT | $43K | — | $43K | 9.81% |
| HYLANT GROUP INC3 | 5210 BELFORT RD SUITE 405 JACKSONVILLE, FL 32256 | HARTFORD LIFE AND ACCIDENT | $846 | — | $846 | 0.19% |
| STEALTH PARTNER GROUP LLC3 | 18940 N PIMA RD SUITE 210 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | $20K | — | $20K | 5.00% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $5K | $5K | 1.26% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $1K | $1K | 0.32% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 320803115 | STANDARD INSURANCE COMPANY | $28K | — | $28K | 12.36% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY BLDG 2 STE 125 AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 1.11% |
| VERA I CRUICE3 | 11445 DRAKEWOOD CT JACKSONVILLE, FL 32223 | AFLAC | $10K | $1K | $11K | 4.79% |
| MARK A LINSNER3 | 10375 CENTURION PKWY N STE 100 JACKSONVILLE, FL 32256 | AFLAC | $2K | $247 | $2K | 1.04% |
| WANDA D CURINGTON3 | 5867 SW 86TH PL OCALA, FL 34476 | AFLAC | $2K | $219 | $2K | 0.93% |
| GREGORY MICHAEL CRUICE3 | 11445 DRAKEWOOD CT JACKSONVILLE, FL 32223 | AFLAC | $1K | $49 | $1K | 0.61% |
| JAMEY MILLER INC3 | 2202 57TH ST SE AUBURN, WA 98092 | AFLAC | $1K | $42 | $1K | 0.55% |
| CHRIS GUZEWICH3 | 1007 DRAKEFEATHER DR ORANGE PARK, FL 32065 | AFLAC | $1K | — | $1K | 0.53% |
| MARK HANNAH3 | 3025 TOWNSEND BLVD JACKSONVILLE, FL 32277 | AFLAC | $1K | — | $1K | 0.50% |
| DAVID ABOULAFIA3 Filed as: DAVID SCOTT ABOULAFIA | 1 SPENCER ST SAINT AUGUSTINE, FL 32084 | AFLAC | $675 | $109 | $784 | 0.35% |
| THOMAS JAMES OLLER3 | 2410 SOUTHERN LINKS DR FLEMING ISLAND, FL 32003 | AFLAC | $639 | — | $639 | 0.29% |
| MICHAEL ZEIDMAN3 | 82 PHOENETIA DR SAINT AUGUSTINE, FL 32086 | AFLAC | $520 | $56 | $576 | 0.26% |
| JIMMY D BOONE3 | 5346 DOMINICA CIR SARASOTA, FL 34233 | AFLAC | $451 | — | $451 | 0.20% |
| TRACI R BATTEN3 | 375 HARBOUR COVE DR APT 323 SPARKS, NV 89434 | AFLAC | $398 | — | $398 | 0.18% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES, INC | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | AFLAC | $363 | — | $363 | 0.16% |
| TROY DANIEL DESLATTE3 | 107 SHADY PARK DR LAFAYETTE, LA 70508 | AFLAC | $263 | — | $263 | 0.12% |
| BETH LUANNE KIMBROUGH3 | 6750 N ANDREWS AVE STE 200 FT LAUDERDALE, FL 33309 | AFLAC | $232 | — | $232 | 0.10% |
| JENNIFER L HOCE3 | 4116 CASTLEBAY DR JACKSONVILLE, FL 32257 | AFLAC | $135 | — | $135 | 0.06% |
| SLR INSURANCE SOLUTIONS INC3 | 179 PINE HAVEN DR ST JOHNS, FL 32259 | AFLAC | $122 | — | $122 | 0.06% |
| JIMMY LEON JOHNSON3 | 40 AVERY ST SAINT AUGUSTINE, FL 32084 | AFLAC | $113 | — | $113 | 0.05% |
| DAVID MARKS3 | 4021 WE HECK CT STE J BATON ROUGE, LA 70816 | AFLAC | $103 | — | $103 | 0.05% |
| CHRISTINE M SINTAY3 | 2645 GRASSY SPRING PL LAS VEGAS, NV 89135 | AFLAC | $92 | — | $92 | 0.04% |
| JEREMY L MILLER3 | 3065 REVELS RD GREEN COVE SPRINGS, FL 32043 | AFLAC | $79 | — | $79 | 0.04% |
| DAVID K MOBLEY3 | 3812 VALVERDE CIR JACKSONVILLE, FL 32224 | AFLAC | $77 | — | $77 | 0.03% |
| JAMES R MIRABELLI3 | 801 BRINY AVE APT 1403 POMPANO BEACH, FL 33062 | AFLAC | $76 | — | $76 | 0.03% |
| EBERHART & ASSOCIATES INC3 | 11097 PARKSIDE PRESERVE WAY JACKSONVILLE, FL 32257 | AFLAC | $60 | $14 | $74 | 0.03% |
| KIMBERLY CLAUNCH COHEN3 | PO BOX 292002 PORT ORANGE, FL 32129 | AFLAC | $59 | — | $59 | 0.03% |
| CYNTHIA HUNTER3 | 472 VIA DEL FORO DR HENDERSON, NV 89011 | AFLAC | $42 | — | $42 | 0.02% |
| J C ADAMS INC3 | 5631 NE 31ST TER OCALA, FL 34479 | AFLAC | $41 | — | $41 | 0.02% |
| DIANA LYNN BOONE3 | 3998 CONFEDERATE POINT RD STE 103 JACKSONVILLE, FL 32210 | AFLAC | $35 | — | $35 | 0.02% |
| CHRISTOPHER BELL3 | 8201 HAMPTON LAKE LN JACKSONVILLE, FL 32256 | AFLAC | $34 | — | $34 | 0.02% |
| JOEY C ADAMS3 | 317 NORTHEAST 36TH AVE SUITE 6 OCALA, FL 34470 | AFLAC | $33 | — | $33 | 0.01% |
| ROBERT L TRAPNELL JR3 | 15 N INDIAN RIVER DR APT 705 COCOA, FL 32922 | AFLAC | $31 | — | $31 | 0.01% |
| VICKI M DICKERT3 | 103 LAUGHING GULL LN CARRABELLE, FL 32322 | AFLAC | $28 | — | $28 | 0.01% |
| JULIA CHAMBERS HAGER3 | 4660 NOTTINGHAM RD JACKSONVILLE, FL 32210 | AFLAC | $27 | — | $27 | 0.01% |
| JENNIE MOORE HAWKINS3 Filed as: JENNIE M HAWKINS INC | 3216 MEDICI BLVD NEW SMYRNA BEACH, FL 32168 | AFLAC | $25 | — | $25 | 0.01% |
| ELAINE COX3 | 3355 DOROTHEA RD JACKSONVILLE, FL 32216 | AFLAC | $24 | — | $24 | 0.01% |
| CECIL T SALMON3 | 27 RAMBLEWOOD DR PALM COAST, FL 32164 | AFLAC | $23 | — | $23 | 0.01% |
| MARIE MICHELE HASKELL3 | 5023 EAGLE POINT DR JACKSONVILLE, FL 32244 | AFLAC | $23 | — | $23 | 0.01% |
| ROBERT P FERRONE3 | 262 AUTUMN TRAIL WAY WAVERLY HALL, GA 31831 | AFLAC | $20 | — | $20 | 0.01% |
| LISA BROOKS THOMPSON INC3 | 129 HAGGE DR DAYTONA BEACH, FL 32124 | AFLAC | $19 | — | $19 | 0.01% |
| LISA BROOKS THOMPSON INC3 Filed as: LISA G BROOKS | 203 S ORCHARD ST APT 4D ORMOND BEACH, FL 32174 | AFLAC | $18 | — | $18 | 0.01% |
| JAY L DETLEFS3 | 8771 PERIMETER PARK CT STE 103 JACKSONVILLE, FL 32216 | AFLAC | $17 | — | $17 | 0.01% |
| DUNN & ASSOC INS INC3 | 324 W INTERNATIONAL SPEEDWAY BLVD DAYTONA BEACH, FL 32114 | AFLAC | $10 | — | $10 | 0.00% |
| MKF & ASSOCIATES INC3 | 300 CAHABA PARK CIR STE 133 BIRMINGHAM, AL 35242 | AFLAC | $8 | — | $8 | 0.00% |
| SCOTT D HAWKINS INC3 | 3216 MEDICI BLVD NEW SMYRNA, FL 32168 | AFLAC | $6 | — | $6 | 0.00% |
| JAMES L. LEFTWICH3 Filed as: JAMES L LEFTWICH | 1465 RIVER LN GREEN COVE SPRINGS, FL 32043 | AFLAC | $4 | — | $4 | 0.00% |
| JERRY WORLEY3 | 6 DORSET A BOCA RATON, FL 33434 | AFLAC | $4 | — | $4 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 10739 DEERWOOD PARK BLVD STE 200 JACKSONVILLE, FL 32256 | AFLAC | $4 | — | $4 | 0.00% |
| ASHLEY CROOK3 | 3187 ESSEX PLACE DR MOBILE, AL 36695 | AFLAC | $3 | — | $3 | 0.00% |
| DAWN T SUCHECKI3 | 225 S WATER ST WILMINGTON, NC 28401 | AFLAC | $3 | — | $3 | 0.00% |
| DOUGLAS J SUCHECKI3 | 1224 PEACOCK AVE STE 205 COLUMBUS, GA 31906 | AFLAC | $3 | — | $3 | 0.00% |
| JEFFREY M SINTAY3 | 5300 OAKBROOK PKWY STE 300 STE 350 NORCROSS, GA 30093 | AFLAC | $3 | — | $3 | 0.00% |
| AARON ANTHONY3 | 1700 FOUNTAIN CT APT 1303 COLUMBUS, GA 31904 | AFLAC | $2 | — | $2 | 0.00% |
| PATRICIA ANNE REILLY3 | 269 E LONG CREEK CV LONGWOOD, FL 32750 | AFLAC | $2 | — | $2 | 0.00% |
| BERNARD FALCO3 Filed as: BERNARD JOSEPH FALCO | 657 SHADOWMOSS CIR LAKE MARY, FL 32746 | AFLAC | $1 | — | $1 | 0.00% |
| JAMES (JAY) GRIMES3 Filed as: JAMES R HARRIS | 6329 RIVERMONT CT COLUMBUS, GA 31904 | AFLAC | $1 | — | $1 | 0.00% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL | 1200 PLANTATION ISLAND DR S STE 210 ST. AUGUSTINE, FL 320803115 | STANDARD INSURANCE COMPANY | $20K | — | $20K | 20.45% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY BLDG 2 STE 125 AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 2.20% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL | 1200 PLANTATION ISLAND DR S STE 210 ST. AUGUSTINE, FL 320803115 | STANDARD INSURANCE COMPANY | $12K | — | $12K | 26.62% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY BLDG 2 STE 125 AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $449 | — | $449 | 0.99% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC | STE 210 1200 PLANTATION ISLAND DR ST. AUGUSTINE, FL 32080 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 15.85% |
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 | 481 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 488 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 399 | $223K |
| Vision | STANDARD INSURANCE COMPANY | 343 | $45K |
| Life insurance | STANDARD INSURANCE COMPANY | 527 | $97K |
| Short-term disability | AFLAC | 213 | $222K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 484 | $442K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 454 | $392K |
| Other(2 contracts, 2 carriers) | AFLAC | 213 | $259K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 527 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.