| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH & WILLINGHAM, INC | 300 1ST AVE S 5TH FLOOR SAINT PETERSBURG, FL 33701 | BLUE CROSS BLUE SHIELD OF FLORIDA | $13K | — | $13K | 6.00% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC | 1200 PLANTATION ISLAND DR S STE 210 SAINT AUGUSTINE, FL 32080 | BLUE CROSS BLUE SHIELD OF FLORIDA | $13K | — | $13K | 6.00% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH, & WILLINGHAM INC | 300 1ST AVE S 5TH FLOOR SAINT PETERSBURG, FL 33701 | BLUE CROSS BLUE SHIELD OF FLORIDA | $13K | — | $13K | 6.00% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC | 1200 PLANTATION ISLAND DR STE 210 SAINT AUGUSTINE, FL 32080 | BLUE CROSS BLUE SHIELD OF FLORIDA | $11K | — | $11K | 6.00% |
| VERA I CRUICE Filed as: VERA CRUICE | 7121 TARPON COURT FLEMING ISLAND, FL 32003 | AFLAC | $6K | $676 | $7K | 7.12% |
| JAMEY MILLER INC | 4811 BEACH BLVD STE 107 JACKSONVILLE, FL 32207 | AFLAC | $1K | $135 | $2K | 1.52% |
| GREGORY MICHAEL CRUICE Filed as: GREGORY CRUICE | 7121 TARPON CT FLEMING ISLAND, FL 32003 | AFLAC | $1K | $43 | $1K | 1.29% |
| CHRIS GUZEWICH | 1007 DRAKE FEATHER DR ORANGE PARK, FL 32065 | AFLAC | $827 | — | $827 | 0.83% |
| MARK HANNAH | 3025 TOWNSEND BLVD JACKSONVILLE, FL 32277 | AFLAC | $718 | — | $718 | 0.72% |
| JIMMY D BOONE Filed as: JIMMY BOONE | 5346 DOMINICA CIR SARASOTA, FL 34233 | AFLAC | $572 | — | $572 | 0.57% |
| THOMAS JAMES OLLER Filed as: THOMAS OLLER | 49 SWIMMING PEN DR MIDDLEBURG, FL 32068 | AFLAC | $343 | — | $343 | 0.34% |
| JENNIFER L HOCE Filed as: JENNIFER HOCE | 4116 CASTLEBAY DR JACKSONVILLE, FL 32257 | AFLAC | $312 | — | $312 | 0.31% |
| HARDEN & ASSOCIATES Filed as: HARDEN & ASSOC INC | 501 RIVERISIDE AVE SUITE 1000 JACKSONVILLE, FL 32202 | AFLAC | $259 | — | $259 | 0.26% |
| DAVID K MOBLEY Filed as: DAVID MOBLEY | 3812 VALVERDE CIR JACKSONVILLE, FL 32224 | AFLAC | $244 | — | $244 | 0.24% |
| TROY DANIEL DESLATTE Filed as: TROY DESLATTE | 107 SHADY PARK DR LAFAYETTE, LA 70508 | AFLAC | $183 | — | $183 | 0.18% |
| TRACI R BATTEN Filed as: TRACI BATTEN | 216 MAITLAND AVE MAITLAND, FL 32701 | AFLAC | $172 | — | $172 | 0.17% |
| CHRISTINE M SINTAY Filed as: CHRISTINE SINTAY | 1972 ALCOVA RIDGE DR LAS VEGAS, NV 89135 | AFLAC | $154 | — | $154 | 0.15% |
| FREDERICK I BRAREN JR Filed as: FREDERICK BRAREN JR | 1840 SAN MARCO BLVD APT 2 JACKSONVILLE, FL 32207 | AFLAC | $139 | — | $139 | 0.14% |
| THE HORTON GROUP Filed as: R HORTON GRIFFIN JR | 116 N DAWSON ST THOMASVILLE, GA 31792 | AFLAC | $109 | — | $109 | 0.11% |
| J W GRIMES INC Filed as: JW GRIMES INC | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $87 | — | $87 | 0.09% |
| KENNETH FRANK JR | 8091 SIERRA OAKS BLVD JACKSONVILLE, FL 32219 | AFLAC | $78 | — | $78 | 0.08% |
| JIMMY LEON JOHNSON Filed as: JIMMY JOHNSON | 28 MAGNOLIA AVE ST AUGUSTINE, FL 32084 | AFLAC | $64 | — | $64 | 0.06% |
| MARK A LINSNER Filed as: MARK LINSNER | 153 BLANDING BLVD STE 3 ORANGE PARK, FL 32073 | AFLAC | $48 | — | $48 | 0.05% |
| BETH LUANNE KIMBROUGH Filed as: BETH KIMBROUGH | 6750 N ANDREWS AVE STE 200 FT LAUDERDALE, FL 33309 | AFLAC | $46 | — | $46 | 0.05% |
| JAMES R MIRABELLI Filed as: JAMES MIRABELLI | 99 SW MIZNER BLVD APT 843 BOCA RATON, FL 33432 | AFLAC | $32 | — | $32 | 0.03% |
| J C ADAMS INC Filed as: JC ADAMS INC | 5631 NE 31ST TER OCALA, FL 34479 | AFLAC | $32 | — | $32 | 0.03% |
| LYNN M SPEARS Filed as: LYNN SPEARS | 928 COLLINSWOOD DR JACKSONVILLE, FL 32225 | AFLAC | $31 | — | $31 | 0.03% |
| MICHELE HASKELL | PO BOX 440307 JACKSONVILLE, FL 32222 | AFLAC | $26 | — | $26 | 0.03% |
| FRANK P ANDERSON & ASSOC INC | PMB 348 1486-19 BEACH BLVD JACKSONVILLE, FL 32250 | AFLAC | $22 | — | $22 | 0.02% |
| CECIL T SALMON Filed as: CECIL SALMON | 95 EDWARD DR PALM COAST, FL 32164 | AFLAC | $21 | — | $21 | 0.02% |
| VICKI M DICKERT Filed as: VICKI DICKERT | 258 SEAVIEW AVE DAYTONA BEACH, FL 32118 | AFLAC | $20 | — | $20 | 0.02% |
| FRAN C HARGARTEN III Filed as: FRAN HARGARTEN III | 1140 MOSSY ROCK RD NW KENNESAW, GA 30152 | AFLAC | $18 | — | $18 | 0.02% |
| MICHAEL HIGGINS | 1003 DRAKE FEATHER DR ORANGE PARK, FL 32085 | AFLAC | $17 | — | $17 | 0.02% |
| JEFFREY M SINTAY Filed as: JEFFREY SINTAY | 1972 ALCOVA RIDGE DR LAS VEGAS, NV 89135 | AFLAC | $14 | — | $14 | 0.01% |
| CECIL W POWELL & COMPANY Filed as: CECIL W POWELL & CO | 219 N NEWNAN ST FL 1 JACKSONVILLE, FL 32202 | AFLAC | $13 | — | $13 | 0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED | 10739 DEERWOOD PARK BLVD STE 200 JACKSONVILLE, FL 32256 | AFLAC | $12 | — | $12 | 0.01% |
| MARK C LEE Filed as: MARK LEE | 1444 SOUTH 17TH ST WILMINGTON, NC 28401 | AFLAC | $11 | — | $11 | 0.01% |
| AARON ANTHONY | 1700 FOUNTAIN CT APT 1303 COLUMBUS, GA 31904 | AFLAC | $8 | — | $8 | 0.01% |
| ROBERT P FERRONE Filed as: ROBERT FERRONE | 1701 WILLIAMS CT APT 202 COLUMBUS, GA 31904 | AFLAC | $7 | — | $7 | 0.01% |
| DAVID ABOULAFIA | 1 SPENCER ST SAINT AUGUSTINE, FL 32084 | AFLAC | $6 | — | $6 | 0.01% |
| OMER S BASS IV Filed as: OMER BASS IV | 585 W GATEWAY CT MERRITT ISLAND, FL 32952 | AFLAC | $4 | — | $4 | 0.00% |
| DAVID MARKS | 4021 WE HECK CT BLDG J BATON ROUGE, LA 70816 | AFLAC | $3 | — | $3 | 0.00% |
| BRANDON C ADAMS Filed as: BRANDON ADAMS | 74 CROWN COLONY RD SAINT AUGUSTINE, FL 32092 | AFLAC | $3 | — | $3 | 0.00% |
| ROBERT L TRAPNELL JR Filed as: ROBERT TRAPNELL JR | 19 N INDIAN RIVER DR APT 701 COCOA, FL 32922 | AFLAC | $2 | — | $2 | 0.00% |
| SUSANNE MYERS | 1494 DOLPHIN ST N ORANGE PARK, FL 32073 | AFLAC | $1 | — | $1 | 0.00% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH, & WILLINGHAM INC | 300 FIRST AVENUE SOUTH 5TH FLOOR ST PETERSBURG, FL 33701 | GUARDIAN | $3K | $2K | $5K | 10.79% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL | 1200 PLANTATION ISLAND DR SOUTH STE 210 ST AUGUSTINE, FL 32080 | GUARDIAN | $2K | — | $2K | 4.35% |
| NORTH FLORIDA FINANCIAL CORPOR3 | 3664 COOLIDGE COURT TALLAHASSEE, FL 32311 | GUARDIAN | $40 | — | $40 | 0.09% |
| MFB FINANCIAL INC3 Filed as: MFB THE BAILEY GROUP | 1200 PLANTATION ISLAND DRIVE STE 21 ST AUGUSTINE, FL 32080 | UNITED HEALTHCARE INSURANCE COMPANY | $825 | — | $825 | 2.43% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM | 300 1ST AVE SOUTH SAINT PETERSBURG, FL 33701 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 9.97% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 FIRST AVENUE SOUTH STE 500 ST PETERSBURG, FL 33701 | AETNA LIFE INSURANCE CO | $2K | — | $2K | 8.73% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INCORPORATED | 1200 PLANTATION ISLAND DRIVE SOUTH STE 210 ST AUGUSTINE, FL 32080 | AETNA LIFE INSURANCE CO | $1K | — | $1K | 6.20% |
| WALLACE WELCH & WILLINGHAM INC3 | PO BOX 33020 ST PETERSBURG, FL 33733 | UNITEDHEALTHCARE INSURANCE COMPANY | $589 | — | $589 | 5.78% |
| MFB FINANCIAL INC3 | 1200 PLANTATIONISLAND DR S STE 210 SAINT AUGUSTINE, FL 32080 | UNITEDHEALTHCARE INSURANCE COMPANY | $428 | — | $428 | 4.20% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH, & WILLINGHAM | 300 FIRST AVENUE SOUTH FIFTH FLOOR ST PETERSBURG, FL 33701 | EQUAL JUSTICE FOR ALL EXPENSE INSURANCE COMPANY | $733 | — | $733 | 7.62% |
| THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DRIVE SOUTH STE 210 ST AUGUSTINE, FL 32080 | EQUAL JUSTICE FOR ALL EXPENSE INSURANCE COMPANY | $540 | — | $540 | 5.61% |
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 | 171 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 1 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 131 | $46K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 126 | $10K |
| Life insurance(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 169 | $54K |
| Long-term disability | AETNA LIFE INSURANCE CO | 171 | $19K |
| Prescription drug(4 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 56 | $843K |
| Other(2 contracts, 2 carriers) | AFLAC | 122 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.