| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $42K | — | $42K | 6.00% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC | 1200 PLANTATION ISLAND DR S STE210 SAINT AUGUSTINE, FL 32080 | HEALTH OPTIONS, INC | $30K | — | $30K | 6.00% |
| VERA I CRUICE3 | 11445 DRAKEWOOD CT JACKSONVILLE, FL 32223 | AFLAC | $5K | $539 | $6K | 6.26% |
| MARK A LINSNER3 | 10375 CENTURION PKWY N STE 100 JACKSONVILLE, FL 32256 | AFLAC | $1K | $126 | $1K | 1.27% |
| WANDA D CURINGTON3 | 5867 SW 86TH PL OCALA, FL 34476 | AFLAC | $785 | $122 | $907 | 0.95% |
| SLR INSURANCE SOLUTIONS INC3 | 179 PINE HAVEN DR ST JOHNS, FL 32259 | AFLAC | $426 | $4 | $430 | 0.45% |
| JAMEY MILLER INC3 | 2202 57TH ST SE AUBURN, WA 98092 | AFLAC | $423 | $3 | $426 | 0.45% |
| GREGORY MICHAEL CRUICE3 | 11445 DRAKEWOOD CT JACKSONVILLE, FL 32223 | AFLAC | $388 | $3 | $391 | 0.41% |
| MARK HANNAH3 | 3025 TOWNSEND BLVD JACKSONVILLE, FL 32277 | AFLAC | $299 | — | $299 | 0.31% |
| JIMMY D BOONE3 | 5346 DOMINICA CIR SARASOTA, FL 34233 | AFLAC | $282 | — | $282 | 0.30% |
| CHRIS GUZEWICH3 | 1007 DRAKEFEATHER DR ORANGE PARK, FL 32065 | AFLAC | $268 | — | $268 | 0.28% |
| THOMAS JAMES OLLER3 | 2410 SOUTHERN LINKS DR FLEMING ISLAND, FL 32003 | AFLAC | $190 | — | $190 | 0.20% |
| LYNN M SPEARS3 | 928 COLLINSWOOD DR JACKSONVILLE, FL 32225 | AFLAC | $174 | $13 | $187 | 0.20% |
| DAVID K MOBLEY3 | 3812 VALVERDE CIR JACKSONVILLE, FL 32224 | AFLAC | $144 | — | $144 | 0.15% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES, INC | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | AFLAC | $137 | — | $137 | 0.14% |
| TROY DANIEL DESLATTE3 | 107 SHADY PARK DR LAFAYETTE, LA 70508 | AFLAC | $113 | — | $113 | 0.12% |
| DAVID ABOULAFIA3 Filed as: DAVID SCOTT ABOULAFIA | 1 SPENCER ST SAINT AUGUSTINE, FL 32084 | AFLAC | $101 | — | $101 | 0.11% |
| JENNIFER L HOCE3 | 4116 CASTLEBAY DR JACKSONVILLE, FL 32257 | AFLAC | $98 | — | $98 | 0.10% |
| TRACI R BATTEN3 | 375 HARBOUR COVE DR APT 323 SPARKS, NV 89434 | AFLAC | $87 | — | $87 | 0.09% |
| THE HORTON GROUP3 Filed as: R HORTON GRIFFIN JR | 610 BLACKSHEAR ST THOMASVILLE, GA 31792 | AFLAC | $82 | — | $82 | 0.09% |
| CECIL W POWELL & COMPANY3 Filed as: CECIL W POWELL & CO | 219 N NEWNAN ST FL 1 JACKSONVILLE, FL 32202 | AFLAC | $61 | — | $61 | 0.06% |
| KENNETH FRANK JR3 | 8091 SIERRA OAKS BLVD JACKSONVILLE, FL 32219 | AFLAC | $59 | — | $59 | 0.06% |
| FREDERICK I BRAREN JR3 | 1840 SAN MARCO BLVD APT 2 JACKSONVILLE, FL 32207 | AFLAC | $54 | — | $54 | 0.06% |
| J W GRIMES INC3 | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $50 | — | $50 | 0.05% |
| JACQUELINE BARNES3 | 8211 VILLAGE PLAZA CT UNIT 2A BATON ROUGE, LA 70810 | AFLAC | $49 | — | $49 | 0.05% |
| DAVID MARKS3 | 4021 WE HECK CT STE J BATON ROUGE, LA 70816 | AFLAC | $47 | — | $47 | 0.05% |
| BETH LUANNE KIMBROUGH3 | 6750 N ANDREWS AVE STE 200 FT LAUDERDALE, FL 33309 | AFLAC | $41 | — | $41 | 0.04% |
| KINITA L KING3 | 2839 PAIGNTON CT JACKSONVILLE, FL 32225 | AFLAC | $38 | — | $38 | 0.04% |
| JIMMY LEON JOHNSON3 | 40 AVERY ST SAINT AUGUSTINE, FL 32084 | AFLAC | $34 | — | $34 | 0.04% |
| MICHAEL RAYMOND HIGGINS3 | 1003 DRAKEFEATHER DR ORANGE PARK, FL 32065 | AFLAC | $31 | — | $31 | 0.03% |
| DAVID MARKS3 | 14161 PARK SQUARE DR BATON ROUGE, LA 70810 | AFLAC | $26 | — | $26 | 0.03% |
| JAMES R MIRABELLI3 | 801 BRINY AVE APT 1403 POMPANO BEACH, FL 33062 | AFLAC | $22 | — | $22 | 0.02% |
| JEFFREY M SINTAY3 | 5300 OAKBROOK PKWY STE 300STE 350 NORCROSS, GA 30093 | AFLAC | $16 | — | $16 | 0.02% |
| JOEY C ADAMS3 | 317 NORTHEAST 36TH AVE, SUITE 6 OCALA, FL 34470 | AFLAC | $15 | — | $15 | 0.02% |
| SHADEL & ASSOCIATES LLC3 | 4801 GLENWOOD AVE STE 200 RALEIGH, NC 27612 | AFLAC | $15 | — | $15 | 0.02% |
| CECIL T SALMON3 | 27 RAMBLEWOOD DR PALM COAST, FL 32164 | AFLAC | $12 | — | $12 | 0.01% |
| MARIE MICHELE HASKELL3 | PO BOX 440307 JACKSONVILLE, FL 32222 | AFLAC | $8 | — | $8 | 0.01% |
| VICKI M DICKERT3 | 103 LAUGHING GULL LN CARRABELLE, FL 32322 | AFLAC | $6 | — | $6 | 0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 10739 DEERWOOD PARK BLVD STE 200 JACKSONVILLE, FL 32256 | AFLAC | $6 | — | $6 | 0.01% |
| MARK C LEE3 | 11500 COUNTY LINE RD MIDLAND, GA 31820 | AFLAC | $6 | — | $6 | 0.01% |
| ROBERT P FERRONE3 | 262 AUTUMN TRAIL WAY WAVERLY HALL, GA 31831 | AFLAC | $4 | — | $4 | 0.00% |
| MARIE MICHELE HASKELL3 | 5023 EAGLE POINT DR JACKSONVILLE, FL 32244 | AFLAC | $2 | — | $2 | 0.00% |
| OMER S BASS IV3 | 565 W GATEWAY CT MERRITT ISLAND, FL 32952 | AFLAC | $2 | — | $2 | 0.00% |
| ROBERT L TRAPNELL JR3 | 15 N INDIAN RIVER DR, APT 705 COCOA, FL 32922 | AFLAC | $2 | — | $2 | 0.00% |
| AARON ANTHONY3 | 1700 FOUNTAIN CT APT 1303 COLUMBUS, GA 31904 | AFLAC | $1 | — | $1 | 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 | $8K | — | $8K | 10.96% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC | 1200 PLANTATION ISLAND DR S STE 210 SAINT AUGUSTINE, FL 32080 | FLORIDA COMBINED LIFE | $3K | — | $3K | 8.98% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC | 1200 PLANTATION ISLAND DR S STE 210 SAINT AUGUSTINE, FL 32080 | FLORIDA COMBINED LIFE | $3K | — | $3K | 15.51% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 SAINT AUGUSTINE, FL 32080 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 9.16% |
| MFB FINANCIAL INC Filed as: MFB FINANCIAL, INC | 1200 PLANTATION ISLAND DR S STE 210 SAINT AUGUSTINE, FL 32080 | EQUAL JUSTICE FOR ALL LEGAL EXPENSE INSURANCE COMPANY | $2K | — | $2K | 13.42% |
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 | 230 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 18 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 253 | 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 | 79 | $1.2M |
| Dental(2 contracts) | FLORIDA COMBINED LIFE | 126 | $58K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 217 | $15K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 230 | $74K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 230 | $74K |
| Other(3 contracts, 3 carriers) | AFLAC | 230 | $181K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.