| 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 | $52K | — | $52K | 6.00% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC | 1200 PLANTATION ISLAND DR S STE210 SAINT AUGUSTINE, FL 32080 | HEALTH OPTIONS, INC | $19K | — | $19K | 6.00% |
| VERA I CRUICE3 | 11445 DRAKEWOOD CT JACKSONVILLE, FL 32223 | AFLAC | $6K | $146 | $6K | 6.86% |
| MARK A LINSNER3 | 10375 CENTURION PKWY N STE 100 JACKSONVILLE, FL 32256 | AFLAC | $1K | $34 | $1K | 1.43% |
| WANDA D CURINGTON3 | 5867 SW 86TH PL OCALA, FL 34476 | AFLAC | $626 | — | $626 | 0.75% |
| SLR INSURANCE SOLUTIONS INC3 | 179 PINE HAVEN DR ST JOHNS, FL 32259 | AFLAC | $564 | $34 | $598 | 0.71% |
| MARK HANNAH3 | 3025 TOWNSEND BLVD JACKSONVILLE, FL 32277 | AFLAC | $327 | — | $327 | 0.39% |
| JAMEY MILLER INC3 | 12942 193RD AVE E BONNEY LAKE, WA 98391 | AFLAC | $299 | — | $299 | 0.36% |
| CHRIS GUZEWICH3 | 1007 DRAKEFEATHER DR ORANGE PARK, FL 32065 | AFLAC | $274 | — | $274 | 0.33% |
| JIMMY D BOONE3 | 12626 BAYPOINTE TER CORTEZ, FL 34215 | AFLAC | $265 | — | $265 | 0.32% |
| GREGORY MICHAEL CRUICE3 | 11445 DRAKEWOOD CT JACKSONVILLE, FL 32223 | AFLAC | $202 | — | $202 | 0.24% |
| THOMAS JAMES OLLER3 | 2410 SOUTHERN LINKS DR FLEMING ISLAND, FL 32003 | AFLAC | $166 | — | $166 | 0.20% |
| DAVID K MOBLEY3 | 3812 VALVERDE CIR JACKSONVILLE, FL 32224 | AFLAC | $130 | — | $130 | 0.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | AFLAC | $120 | — | $120 | 0.14% |
| JENNIFER L HOCE3 | 4116 CASTLEBAY DR JACKSONVILLE, FL 32257 | AFLAC | $97 | — | $97 | 0.12% |
| TROY DANIEL DESLATTE3 | 107 SHADY PARK DR LAFAYETTE, LA 70508 | AFLAC | $88 | — | $88 | 0.10% |
| THE HORTON GROUP3 Filed as: R HORTON GRIFFIN JR | 610 BLACKSHEAR ST THOMASVILLE, GA 31792 | AFLAC | $78 | — | $78 | 0.09% |
| TRACI R BATTEN3 | 375 HARBOUR COVE DR APT 323 SPARKS, NV 89434 | AFLAC | $57 | — | $57 | 0.07% |
| FREDERICK I BRAREN JR3 | 1840 SAN MARCO BLVD APT 2 JACKSONVILLE, FL 32207 | AFLAC | $53 | — | $53 | 0.06% |
| KENNETH FRANK JR3 | 8091 SIERRA OAKS BLVD JACKSONVILLE, FL 32219 | AFLAC | $52 | — | $52 | 0.06% |
| J W GRIMES INC3 | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $43 | — | $43 | 0.05% |
| JIMMY LEON JOHNSON3 | 411 WALNUT ST #16846 GREEN COVE SPRINGS, FL 32043 | AFLAC | $28 | — | $28 | 0.03% |
| JACQUELINE BARNES3 | 8211 VILLAGE PLAZA CT UNIT 2A BATON ROUGE, LA 70810 | AFLAC | $24 | — | $24 | 0.03% |
| BETH LUANNE KIMBROUGH3 | 6750 N ANDREWS AVE STE 200 FT LAUDERDALE, FL 33309 | AFLAC | $20 | — | $20 | 0.02% |
| MICHAEL RAYMOND HIGGINS3 | 1003 DRAKEFEATHER DR ORANGE PARK, FL 32065 | AFLAC | $17 | — | $17 | 0.02% |
| SANDRA ADAMS3 | 1817 CYPRESS POINT RD OCALA, FL 34472 | AFLAC | $16 | — | $16 | 0.02% |
| JAMES R MIRABELLI3 | 83683 W LAKE ESTATES DR DAVIE, FL 33328 | AFLAC | $12 | — | $12 | 0.01% |
| DAVID MARKS3 | 3011 CANEWOOD LN BATON ROUGE, LA 70810 | AFLAC | $11 | — | $11 | 0.01% |
| MARIE MICHELE HASKELL3 | PO BOX 440307 JACKSONVILLE, FL 32222 | AFLAC | $10 | — | $10 | 0.01% |
| JEFFREY M SINTAY3 | 5300 OAKBROOK PKWY STE 300STE 350 NORCROSS, GA 30093 | AFLAC | $10 | — | $10 | 0.01% |
| CECIL T SALMON3 | 27 RAMBLEWOOD DR PALM COAST, FL 32164 | AFLAC | $8 | — | $8 | 0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 10739 DEERWOOD PARK BLVD STE 200 JACKSONVILLE, FL 32256 | AFLAC | $7 | — | $7 | 0.01% |
| VICKI M DICKERT3 | 103 LAUGHING GULL LN CARRABELLE, FL 32322 | 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 | $5 | — | $5 | 0.01% |
| 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 | $6K | — | $6K | 9.23% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC | 1200 PLANTATION ISLAND DR S STE 210 SAINT AUGUSTINE, FL 32080 | FLORIDA COMBINED LIFE | $5K | — | $5K | 10.02% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC | 1200 PLANTATION ISLAND DR S STE 210 SAINT AUGUSTINE, FL 32080 | FLORIDA COMBINED LIFE | $2K | — | $2K | 12.59% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 SAINT AUGUSTINE, FL 32080 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $610 | $2K | 14.50% |
| MFB FINANCIAL INC3 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 | 13.81% |
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 | 219 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 231 | 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 | 89 | $1.2M |
| Dental(2 contracts) | FLORIDA COMBINED LIFE | 101 | $62K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 202 | $14K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 219 | $69K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 219 | $69K |
| Other(3 contracts, 3 carriers) | AFLAC | 219 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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.