| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC | 625 A1A N PONTE VEDRA BEACH, FL 32082 | BLUE CROSS BLUE SHIELD OF FLORIDA | $48K | — | $48K | 6.01% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC | 625 A1A N PONTE VEDRA BEACH, FL 32082 | HEALTH OPTIONS | $11K | — | $11K | 6.00% |
| VERA I CRUICE3 | 11445 DRAKEWOOD CT JACKSONVILLE, FL 32223 | AFLAC | $6K | $193 | $6K | 5.82% |
| WANDA D CURINGTON3 | 5867 SW 86TH PL OCALA, FL 34476 | AFLAC | $1K | $70 | $1K | 1.47% |
| GREGORY MICHAEL CRUICE3 | 11445 DRAKEWOOD CT JACKSONVILLE, FL 32223 | AFLAC | $585 | $157 | $742 | 0.74% |
| MARK A LINSNER3 | 153 BLANDING BLVD, STE 3 ORANGE PARK, FL 32073 | AFLAC | $600 | $57 | $657 | 0.65% |
| KATELYNN CRUICE3 | 11336 TALTON AVE BATON ROUGE, LA 70817 | AFLAC | $541 | $67 | $608 | 0.60% |
| JAMEY MILLER INC3 | 10375 CENTURION PKWY N STE 100 JACKSONVILLE, FL 32256 | AFLAC | $562 | $8 | $570 | 0.57% |
| MARK HANNAH3 | 3025 TOWNSEND BLVD JACKSONVILLE, FL 32277 | AFLAC | $497 | $0 | $497 | 0.49% |
| CHRIS GUZEWICH3 | 1007 DRAKEFEATHER DR ORANGE PARK, FL 32065 | AFLAC | $460 | — | $460 | 0.46% |
| MARK A LINSNER3 | 10375 CENTURION PKWY N, STE 100 JACKSONVILLE, FL 32256 | AFLAC | $426 | $13 | $439 | 0.44% |
| JIMMY D BOONE3 | 5346 DOMINICA CIR SARASOTA, FL 34233 | AFLAC | $431 | — | $431 | 0.43% |
| THOMAS JAMES OLLER3 | 2410 SOUTHERN LINKS DR FLEMING ISLAND, FL 32003 | AFLAC | $246 | — | $246 | 0.24% |
| LYNN M SPEARS3 | 928 COLLINSWOOD DR JACKSONVILLE, FL 32225 | AFLAC | $203 | $19 | $222 | 0.22% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES, INC | 501 RIVERSIDE AVE, STE 1000 JACKSONVILLE, FL 32202 | AFLAC | $220 | — | $220 | 0.22% |
| DAVID K MOBLEY3 | 3812 VALVERDE CIR JACKSONVILLE, FL 32224 | AFLAC | $209 | — | $209 | 0.21% |
| JENNIFER L HOCE3 | 4116 CASTLEBAY DR JACKSONVILLE, FL 32257 | AFLAC | $155 | — | $155 | 0.15% |
| TROY DANIEL DESLATTE3 | 107 SHADY PARK DR LAFAYETTE, LA 70508 | AFLAC | $152 | — | $152 | 0.15% |
| DAVID ABOULAFIA3 Filed as: DAVID SCOTT ABOULAFIA | 1 SPENCER ST SAINT AUGUSTINE, FL 32084 | AFLAC | $133 | — | $133 | 0.13% |
| CHRISTINE M SINTAY3 | 2645 GRASSY SPRING PL LAS VEGAS, NV 89135 | AFLAC | $127 | — | $127 | 0.13% |
| TRACI R BATTEN3 | 216 W MAITLAND BLVD MAITLAND, FL 32751 | AFLAC | $112 | — | $112 | 0.11% |
| DAVID MARKS3 | 4021 WE HECK CT, STE J BATON ROUGE, LA 70816 | AFLAC | $97 | $14 | $111 | 0.11% |
| THE HORTON GROUP3 Filed as: R HORTON GRIFFIN JR | 116 N DAWSON ST. THOMASVILLE, GA 31792 | AFLAC | $110 | — | $110 | 0.11% |
| FREDERICK I BRAREN JR3 | 1840 SAN MARCO BLVD APT 2 JACKSONVILLE, FL 32207 | AFLAC | $109 | — | $109 | 0.11% |
| CECIL W POWELL & COMPANY3 Filed as: CECIL W POWELL & CO. | 219 N NEWNAN ST FL 1 JACKSONVILLE, FL 32202 | AFLAC | $86 | — | $86 | 0.09% |
| KENNETH FRANK JR3 | 8091 SIERRA OAKS BLVD JACKSONVILLE, FL 32219 | AFLAC | $80 | — | $80 | 0.08% |
| JACQUELINE BARNES3 | 11403 CARRIES ORCHARD DR BATON ROUGE, LA 70810 | AFLAC | $63 | $14 | $77 | 0.08% |
| J W GRIMES INC3 Filed as: J W GRIMES INC. | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $75 | — | $75 | 0.07% |
| BETH LUANNE KIMBROUGH3 | 6750 N ANDREWS AVE STE 200 FT. LAUDERDALE, FL 33309 | AFLAC | $50 | — | $50 | 0.05% |
| JIMMY LEON JOHNSON3 | 40 AVERY ST ST. AUGUSTINE, FL 32084 | AFLAC | $46 | — | $46 | 0.05% |
| MICHAEL RAYMOND HIGGINS3 | 1003 DRAKEFEATHER DR ORANGE PARK, FL 32065 | AFLAC | $34 | — | $34 | 0.03% |
| JAMES R MIRABELLI3 | 801 BRINY AVE APT 1403 POMPANO BEACH, FL 33062 | AFLAC | $27 | — | $27 | 0.03% |
| FRANK P ANDERSON & ASSOC INC3 Filed as: FRANK P ANDERSON & ASSOCIATES INC. | 14286 BEACH BLVD, STE 19 PMB 348 JACKSONVILLE, FL 32250 | AFLAC | $22 | — | $22 | 0.02% |
| J C ADAMS INC3 | 5631 NE 31ST TER OCALA, FL 34479 | AFLAC | $19 | — | $19 | 0.02% |
| CECIL T SALMON3 | 95 EDWARD DR PALM COAST, FL 32164 | AFLAC | $15 | — | $15 | 0.01% |
| JEFFREY M SINTAY3 | 2685 S RAINBOW BLVD STE 200 LAS VEGAS, NV 89146 | AFLAC | $14 | — | $14 | 0.01% |
| MARK C LEE3 | 1444 S 17TH ST WILMINGTON, NC 28401 | AFLAC | $10 | — | $10 | 0.01% |
| MARIE MICHELE HASKELL3 | PO BOX 440307 JACKSONVILLE, FL 32222 | AFLAC | $9 | — | $9 | 0.01% |
| VICKI M DICKERT3 | 258 SEAVIEW AVE DAYTONA BEACH, FL 32118 | AFLAC | $7 | — | $7 | 0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 10739 DEERWOOD PARK BLVD, STE 200 JACKSONVILLE, FL 32256 | AFLAC | $7 | — | $7 | 0.01% |
| AARON ANTHONY3 | 1700 FOUNTAIN CT APT 1303 COLUMBUS, GA 31904 | AFLAC | $6 | — | $6 | 0.01% |
| ROBERT P FERRONE3 | 262 AUTUMN TRAIL WAY WAVERLY HALL, GA 31831 | AFLAC | $6 | — | $6 | 0.01% |
| JOEY C ADAMS3 | 317 NORTHEAST 36TH AVE SUITE 6 OCALA, FL 34470 | AFLAC | $6 | — | $6 | 0.01% |
| MICHELE HASKELL3 | PO BOX 440307 JACKSONVILLE, FL 32222 | AFLAC | $5 | — | $5 | 0.00% |
| JEFFREY M SINTAY3 | 100 GALLERIA PKWY SE STE 900 ATLANTA, GA 30339 | AFLAC | $5 | — | $5 | 0.00% |
| VICKI M DICKERT3 | 3264 ADDISON LN TALLAHASSEE, FL 32317 | AFLAC | $3 | — | $3 | 0.00% |
| 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% |
| MFB FINANCIAL INC3 Filed as: MFB (THE BAILEY GROUP) | 1200 PLANTATION ISLAND DR S STE 210 SAINT AUGUSTINE, FL 32080 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 10.01% |
| MFB FINANCIAL INC3 Filed as: MFB FIN. INC. ATTN DEBORAH CROFT | 1200 PLANTATION ISLAND DR, STE 210 ST. AUGUSTINE, FL 32080 | AETNA LIFE INSURANCE CO. | $4K | — | $4K | 14.81% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC | 1200 PLANTATION ISLAND DR S STE 210 SAINT AUGUSTINE, FL 32080 | FLORIDA COMBINED LIFE | $2K | — | $2K | 9.89% |
| FLORIDA BLUE3 Filed as: SCOTT, MARION FLORIDA BLUE | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $2K | — | $2K | 7.52% |
| FLORIDA BLUE3 Filed as: METZKES, CHARLES FLORIDA BLUE | 4800 DEERWOOD CAMPUS PKWAY # DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $271 | — | $271 | 1.13% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC | 1200 PLANTATION ISLAND DR S STE 210 SAINT AUGUSTINE, FL 32080 | FLORIDA COMBINED LIFE | $3K | — | $3K | 13.60% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR STE 210 SAINT AUGUSTINE, FL 32089 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $536 | $2K | 14.14% |
| THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DRIVE SOUTH STE 210 ST. AUGUSTINE, FL 32080 | EQUAL JUSTICE FOR ALL LEAL EXPENSE INSURANCE COMPANY | $2K | — | $2K | 16.35% |
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 | 221 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 115 | $973K |
| Dental(2 contracts) | FLORIDA COMBINED LIFE | 96 | $47K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 118 | $13K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 220 | $36K |
| Long-term disability | AETNA LIFE INSURANCE CO. | 221 | $30K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 115 | $973K |
| Other(3 contracts, 3 carriers) | AFLAC | 220 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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.