| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC | 1200 PLANTATION ISLAND DRIVE S SUITE 210 SAINT AUGUSTINE, FL 32080 | BLUE CROSS BLUE SHIELD OF FLORIDA | $44K | — | $44K | 6.00% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC | 1200 PLANTATION ISLAND DRIVE S SUITE 210 SAINT AUGUSTINE, FL 32080 | BLUE CROSS BLUE SHIELD OF FLORIDA | $11K | — | $11K | 6.00% |
| GREGORY MICHAEL CRUICE3 | 11445 DRAKEWOOD CT JACKSONVILLE, FL 32223 | AFLAC | $2K | $102 | $2K | 2.75% |
| VERA I CRUICE3 | 11445 DRAKEWOOD CT JACKSONVILLE, FL 32223 | AFLAC | $2K | — | $2K | 2.50% |
| KATELYNN CRUICE3 | 11336 TALTON AVE BATON ROUGE, LA 70817 | AFLAC | $1K | — | $1K | 1.67% |
| VERA I CRUICE3 | 7121 TARPON CT FLEMING ISLAND, FL 32003 | AFLAC | $394 | $322 | $716 | 0.87% |
| JAMEY MILLER INC3 | 10375 CENTURION PKWY N STE 100 JACKSONVILLE, FL 32256 | AFLAC | $648 | $64 | $712 | 0.86% |
| CHRIS GUZEWICH3 | 1007 DRAKEFEATHER DR ORANGE PARK, FL 32065 | AFLAC | $583 | — | $583 | 0.71% |
| MARK HANNAH3 | 3025 TOWNSEND BLVD JACKSONVILLE, FL 32277 | AFLAC | $530 | — | $530 | 0.64% |
| WANDA D CURINGTON3 | 5867 SW 86TH PL OCALA, FL 34476 | AFLAC | $511 | — | $511 | 0.62% |
| JIMMY D BOONE3 | 5346 DOMINICA CIR SARASOTA, FL 34233 | AFLAC | $423 | — | $423 | 0.51% |
| MARK A LINSNER3 | 153 BLANDING BLVD STE 3 ORANGE PARK, FL 32073 | AFLAC | $412 | $8 | $420 | 0.51% |
| JACQUELINE BARNES3 | 11403 CARRIES ORCHARD DR BATON ROUGE, LA 70810 | AFLAC | $316 | — | $316 | 0.38% |
| THOMAS JAMES OLLER3 | 2410 SOUTHERN LINKS DR FLEMING ISLAND, FL 32003 | AFLAC | $254 | — | $254 | 0.31% |
| VERA I CRUICE3 | 7121 TARPON COURT FLEMING ISLAND, FL 32003 | AFLAC | $229 | — | $229 | 0.28% |
| JENNIFER L HOCE3 | 4116 CASTLEBAY DR JACKSONVILLE, FL 32257 | AFLAC | $223 | — | $223 | 0.27% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOC INC | 501 RIVERSIDE AVE STE 100 JACKSONVILLE, FL 32202 | AFLAC | $193 | — | $193 | 0.23% |
| DAVID K MOBLEY3 | 3812 VALVERDE CIR JACKSONVILLE, FL 32224 | AFLAC | $188 | — | $188 | 0.23% |
| DAVID MARKS3 | 4021 WE HECK CT STE J BATON ROUGE, LA 70816 | AFLAC | $139 | — | $139 | 0.17% |
| TROY DANIEL DESLATTE3 | 107 SHADY PARK DR LAFAYETTE, LA 70508 | AFLAC | $135 | — | $135 | 0.16% |
| CHRISTINE M SINTAY3 | 2645 GRASSY SPRING PL LAS VEGAS, NV 89135 | AFLAC | $123 | — | $123 | 0.15% |
| TRACI R BATTEN3 | 216 W MAITLAND BLVD MAITLAND, FL 32751 | AFLAC | $116 | — | $116 | 0.14% |
| LYNN M SPEARS3 | 928 COLLINSWOOD DR JACKSONVILLE, FL 32225 | AFLAC | $96 | — | $96 | 0.12% |
| THE HORTON GROUP3 Filed as: R HORTON GRIFFIN JR | 116 N DAWSON CT THOMASVILLE, GA 31792 | AFLAC | $94 | — | $94 | 0.11% |
| FREDERICK I BRAREN JR3 | 1840 SAN MARCO BLVD APT 2 JACKSONVILLE, FL 32207 | AFLAC | $93 | — | $93 | 0.11% |
| DAVID MARKS3 | 4021 WE HECK CT BLDG J BATON ROUGE, LA 70816 | AFLAC | $83 | — | $83 | 0.10% |
| KENNETH FRANK JR3 | 8091 SIERRA OAKS BLVD JACKSONVILLE, FL 32219 | AFLAC | $70 | — | $70 | 0.08% |
| J W GRIMES INC3 | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $66 | — | $66 | 0.08% |
| JIMMY LEON JOHNSON3 | 1005 BELLA VISTA BLVD APT 119 ST AUGUSTINE, FL 32084 | AFLAC | $46 | — | $46 | 0.06% |
| CECIL W POWELL & COMPANY3 Filed as: CECIL W POWELL & CO | 219 N NEWNAN ST FL 1 JACKSONVILLE, FL 32202 | AFLAC | $41 | — | $41 | 0.05% |
| BETH LUANNE KIMBROUGH3 | 6750 N ANDREWS AVE STE 200 FT LAUDERDALE, FL 33309 | AFLAC | $39 | — | $39 | 0.05% |
| MICHAEL RAYMOND HIGGINS3 | 1003 DRAKEFEATHER DR ORANGE PARK, FL 32065 | AFLAC | $28 | — | $28 | 0.03% |
| JAMES R MIRABELLI3 | 801 BRINY AVE APT 1403 POMPANO BEACH, FL 33062 | AFLAC | $25 | — | $25 | 0.03% |
| J C ADAMS INC3 | 5631 NE 31ST TER OCALA, FL 34479 | AFLAC | $24 | — | $24 | 0.03% |
| DAVID ABOULAFIA3 | 1 SPENCER ST SAINT AUGUSTINE, FL 32080 | AFLAC | $22 | — | $22 | 0.03% |
| FRANK P ANDERSON & ASSOC INC3 | 14286 BEACH BLVD STE 19 PMB 348 JACKSONVILLE, FL 32250 | AFLAC | $19 | — | $19 | 0.02% |
| CECIL T SALMON3 Filed as: CECIL L SALMON | 95 EDWARD DR PALM COAST, FL 32164 | AFLAC | $16 | — | $16 | 0.02% |
| MICHAEL HASKELL3 | PO BOX 440307 JACKSONVILLE, FL 32222 | AFLAC | $16 | — | $16 | 0.02% |
| VICKI M DICKERT3 | 258 SEAVIEW AVE DAYTONA BEACH, FL 32118 | AFLAC | $15 | — | $15 | 0.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 10739 DEERWOOD PARK BLVD STE 200 JACKSONVILLE, FL 32256 | AFLAC | $10 | — | $10 | 0.01% |
| JEFFREY M SINTAY3 | 1972 ALCOVA RIDGE DR LAS VEGAS, NV 89135 | AFLAC | $9 | — | $9 | 0.01% |
| MARK C LEE3 | 1444 S 17TH ST WILIMINGTON, NC 28401 | AFLAC | $8 | — | $8 | 0.01% |
| ROBERT P FERRONE3 | 1701 WILLIAMS CT APT 202 COLUMBUS, GA 31904 | AFLAC | $6 | — | $6 | 0.01% |
| AARON ANTHONY3 | 1700 FOUNTAIN CT APT 1303 COLUMBUS, GA 31904 | AFLAC | $5 | — | $5 | 0.01% |
| DAVID ABOULAFIA3 Filed as: DAVID SCOTT ABOULAFIA | 1 SPENCER ST SAINT AUGUSTINE, FL 32084 | AFLAC | $5 | — | $5 | 0.01% |
| OMER S BASS IV3 | 565 W GATEWAY CT MERRITT ISLAND, FL 32952 | AFLAC | $3 | — | $3 | 0.00% |
| ROBERT L TRAPNELL JR3 | 15 N INDIAN RIVER DR APT 705 COCOA, FL 32922 | AFLAC | $2 | — | $2 | 0.00% |
| JEFFREY M SINTAY3 | 2685 S RAINBOW BLVD STE 200 LAS VEGAS, NV 89146 | AFLAC | $2 | — | $2 | 0.00% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC | 1200 PLANTATION ISLAND DRIVE S SUITE 210 SAINT AUGUSTINE, FL 32080 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 10.00% |
| NORTH FLORIDA FINANCIAL CORPOR3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $53 | — | $53 | 0.12% |
| NORTH FLORIDA FINANCIAL CORPOR3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4 | — | $4 | 0.01% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INCORPORATED | 1200 PLANTATION ISLAND DRIVE S SUITE 210 SAINT AUGUSTINE, FL 32080 | AETNA LIFE INSURANCE CO. | $4K | — | $4K | 14.60% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE S SUITE 210 SAINT AUGUSTINE, FL 32080 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 9.73% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 1ST AVE S ST PETERSBURG, FL 337014209 | UNITEDHEALTHCARE INSURANCE COMPANY | $18 | — | $18 | 0.17% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE S SUITE 210 SAINT AUGUSTINE, FL 32080 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 9.73% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 1ST AVE S ST PETERSBURG, FL 337014209 | UNITEDHEALTHCARE INSURANCE COMPANY | $18 | — | $18 | 0.17% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC | 1200 PLANTATION ISLAND DRIVE S SUITE 210 SAINT AUGUSTINE, FL 32080 | EQUAL JUSTICE FOR ALL LEGAL EXPENSE INSURANCE COMPANY | $1K | — | $1K | 14.39% |
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 | 190 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 103 | $929K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 134 | $44K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 104 | $11K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 104 | $11K |
| Long-term disability | AETNA LIFE INSURANCE CO. | 190 | $27K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 103 | $929K |
| Other(2 contracts, 2 carriers) | AFLAC | 116 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.