| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR SUITE 210 ST AUGUSTINE, FL 32080 | HARTFORD LIFE AND ACCIDENT | $42K | — | $42K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD SUITE 300 CHARLOTTE, NC 28211 | HARTFORD LIFE AND ACCIDENT | — | $5K | $5K | 1.31% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD SUITE 300 CHARLOTTE, NC 28211 | HARTFORD LIFE AND ACCIDENT | — | $4K | $4K | 0.95% |
| STEALTH PARTNER GROUP LLC3 | 18940 N PIMA RD SUITE 210 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | $20K | — | $20K | 5.00% |
| STEALTH PARTNER GROUP LLC3 | 9375 E SHEA BLVD SUITE 205 SCOTTSDALE, AZ 85260 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $7K | $7K | 1.75% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR SUITE 210 ST AUGUSTINE, FL 320803115 | STANDARD INSURANCE COMPANY | $22K | — | $22K | 9.14% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR SUITE 210 ST AUGUSTINE, FL 32080 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 1.16% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY BLDG 2 STE 125 AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 1.04% |
| VERA I CRUICE3 | 11445 DRAKEWOOD CT JACKSONVILLE, FL 32223 | AFLAC | $11K | $106 | $11K | 4.89% |
| GREGORY MICHAEL CRUICE3 | 11445 DRAKEWOOD CT JACKSONVILLE, FL 32223 | AFLAC | $3K | $15 | $3K | 1.41% |
| MARK A LINSNER3 | 10375 CENTURION PKWY N STE 100 JACKSONVILLE, FL 32256 | AFLAC | $3K | $28 | $3K | 1.17% |
| WANDA D CURINGTON3 | 5867 SW 86TH PL OCALA, FL 34476 | AFLAC | $1K | — | $1K | 0.66% |
| CHRIS GUZEWICH3 | 1007 DRAKEFEATHER DR ORANGE PARK, FL 32065 | AFLAC | $1K | — | $1K | 0.54% |
| SLR INSURANCE SOLUTIONS INC3 | 179 PINE HAVEN DR ST JOHNS, FL 32259 | AFLAC | $1K | $28 | $1K | 0.50% |
| MARK HANNAH3 | 3025 TOWNSEND BLVD JACKSONVILLE, FL 32277 | AFLAC | $1K | — | $1K | 0.49% |
| JAMEY MILLER INC3 | 6270 TERRACE VIEW LN SE AUBURN, WA 98092 | AFLAC | $868 | — | $868 | 0.39% |
| THOMAS JAMES OLLER3 | 2410 SOUTHERN LINKS DR FLEMING ISLAND, FL 32003 | AFLAC | $626 | — | $626 | 0.28% |
| JIMMY D BOONE3 | 12626 BAYPOINTE TER CORTEZ, FL 34215 | AFLAC | $444 | — | $444 | 0.20% |
| MICHAEL ZEIDMAN3 | 82 PHOENETIA DR SAINT AUGUSTINE, FL 32086 | AFLAC | $435 | — | $435 | 0.20% |
| TRACI R BATTEN3 | 375 HARBOUR COVE DR APT 323 SPARKS, NV 89434 | AFLAC | $351 | — | $351 | 0.16% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES, INC | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | AFLAC | $323 | — | $323 | 0.15% |
| DAVID ABOULAFIA3 Filed as: DAVID SCOTT ABOULAFIA | 1 SPENCER ST SAINT AUGUSTINE, FL 32084 | AFLAC | $275 | — | $275 | 0.12% |
| TROY DANIEL DESLATTE3 | 107 SHADY PARK DR LAFAYETTE, LA 70508 | AFLAC | $270 | — | $270 | 0.12% |
| BETH LUANNE KIMBROUGH3 | 6750 N ANDREWS AVE STE 200 FT LAUDERDALE, FL 33309 | AFLAC | $216 | — | $216 | 0.10% |
| JENNIFER L HOCE3 | 4116 CASTLEBAY DR JACKSONVILLE, FL 32257 | AFLAC | $136 | — | $136 | 0.06% |
| DAVID MARKS3 | 3011 CANEWOOD LN BATON ROUGE, LA 70810 | AFLAC | $111 | — | $111 | 0.05% |
| JIMMY LEON JOHNSON3 | 40 AVERY ST SAINT AUGUSTINE, FL 32084 | AFLAC | $87 | — | $87 | 0.04% |
| JEREMY L MILLER3 | 3065 REVELS RD GREEN COVE SPRINGS, FL 32043 | AFLAC | $79 | — | $79 | 0.04% |
| JOEY C ADAMS3 | 317 NORTHEAST 36TH AVE SUITE 6 OCALA, FL 34470 | AFLAC | $74 | — | $74 | 0.03% |
| JAMES R MIRABELLI3 | 3683 W LAKE ESTATES DR DAVIE, FL 33328 | AFLAC | $68 | — | $68 | 0.03% |
| DAVID K MOBLEY3 | 3812 VALDERE CIR JACKSONVILLE, FL 32224 | AFLAC | $61 | — | $61 | 0.03% |
| EBERHART & ASSOCIATES INC3 | 11097 PARKSIDE PRESERVE WAY JACKSONVILLE, FL 32257 | AFLAC | $59 | — | $59 | 0.03% |
| KIMBERLY CLAUNCH COHEN3 | PO BOX 292002 PORT ORANGE, FL 32129 | AFLAC | $59 | — | $59 | 0.03% |
| DIANA LYNN BOONE3 | 3998 CONFEDERATE POINT RD SUITE 103 JACKSONVILLE, FL 32210 | AFLAC | $37 | — | $37 | 0.02% |
| LISA BROOKS THOMPSON INC3 Filed as: LISA G BROOKS | 203 S ORCHARD ST APT 4D ORMOND BEACH, FL 32174 | AFLAC | $37 | — | $37 | 0.02% |
| JENNIE MOORE HAWKINS3 Filed as: JENNIE M HAWKINS INC | 3216 MEDICI BLVD NEW SMYRNA BEACH, FL 32168 | AFLAC | $25 | — | $25 | 0.01% |
| JIMMY LEON JOHNSON3 | 411 WALNUT ST # 16846 GREEN COVE SPRINGS, FL 32043 | AFLAC | $25 | — | $25 | 0.01% |
| JULIA CHAMBERS HAGER3 | 4660 NOTTINGHAM RD JACKSONVILLE, FL 32210 | AFLAC | $24 | — | $24 | 0.01% |
| ROBERT L TRAPNELL JR3 | 15 N INDIAN RIVER DR APT 705 COCOA, FL 32922 | AFLAC | $24 | — | $24 | 0.01% |
| MARIE MICHELE HASKELL3 | PO BOX 440307 JACKSONVILLE, FL 32222 | AFLAC | $23 | — | $23 | 0.01% |
| DAVID MARKS3 | 4021 WE HECK CT STE J BATON ROUGE, LA 70816 | AFLAC | $22 | — | $22 | 0.01% |
| VICKI M DICKERT3 | 103 LAUGHING GULL LN CARRABELLE, FL 32322 | AFLAC | $21 | — | $21 | 0.01% |
| CECIL T SALMON3 | 27 RAMBLEWOOD DR PALM COAST, FL 32164 | AFLAC | $20 | — | $20 | 0.01% |
| ROBERT P FERRONE3 | 262 AUTUMN TRAIL WAY WAVERLY HALL, GA 31831 | AFLAC | $19 | — | $19 | 0.01% |
| CHRISTOPHER BELL3 Filed as: CHRISTOPHER ERIC BELL | 8201 HAMPTON LAKE LN JACKSONVILLE, FL 32256 | AFLAC | $15 | — | $15 | 0.01% |
| CYNTHIA HUNTER3 | 472 VIA DEL FORO DR HENDERSON, NV 89011 | AFLAC | $15 | — | $15 | 0.01% |
| DUNN & ASSOC INS INC3 | 324 W INTERNATIONAL SPEEDWAY BLVD DAYTONA BEACH, FL 32114 | AFLAC | $10 | — | $10 | 0.00% |
| MKF & ASSOCIATES INC3 | 4222 MARDEN WAY VESTAVIA, AL 35242 | AFLAC | $8 | — | $8 | 0.00% |
| SCOTT D HAWKINS INC3 | 3216 MEDICI BLVD NEW SMYRNA, FL 32168 | AFLAC | $6 | — | $6 | 0.00% |
| JERRY WORLEY3 | 6 DORSET A BOCA RATON, FL 33434 | AFLAC | $5 | — | $5 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 10739 DEERWOOD PARK BLVD STE 200 JACKSONVILLE, FL 32256 | AFLAC | $4 | — | $4 | 0.00% |
| ELAINE COX3 | 3355 DOROTHEA RD JACKSONVILLE, FL 32216 | 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% |
| 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% |
| DOUGLAS J SUCHECKI3 | 1224 PEACOCK AVE STE 205 COLUMBUS, GA 31906 | AFLAC | $1 | — | $1 | 0.00% |
| DOUGLAS J SUCHECKI3 | 21 HEARTWOOD DR CATAULA, GA 31804 | AFLAC | $1 | — | $1 | 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 DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR SUITE 210 ST AUGUSTINE, FL 32080 | STANDARD INSURANCE COMPANY | $19K | — | $19K | 17.66% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR SUITE 210 ST AUGUSTINE, FL 32080 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 2.08% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY BLDG 2 STE 125 AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 1.85% |
| MFB FINANCIAL INC3 | SUITE 210 1200 PLANTATION ISLAND DR ST. AUGUSTINE, FL 32080 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 10.18% |
| MFB FINANCIAL INC3 | SUITE 210 1200 PLANTATION ISLAND DR ST. AUGUSTINE, FL 32080 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 4.21% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR SUITE 210 ST. AUGUSTINE, FL 32080 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $244 | — | $244 | 0.55% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR SUITE 210 ST AUGUSTINE, FL 32080 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 16.68% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR SUITE 210 ST AUGUSTINE, FL 32080 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 2.32% |
| NFP INSURANCE SERVICES INC3 | BLDG 2 SUITE 125 1250 CAPITAL OF TX HWY AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $458 | — | $458 | 1.03% |
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 | 601 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 612 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 437 | $238K |
| Vision | STANDARD INSURANCE COMPANY | 378 | $44K |
| Life insurance | STANDARD INSURANCE COMPANY | 601 | $110K |
| Short-term disability | AFLAC | 194 | $221K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 563 | $420K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 273 | $408K |
| Other(2 contracts, 2 carriers) | AFLAC | 194 | $266K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 601 | — |
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.