| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | AETNA | $28K | — | $28K | 6.29% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | AETNA | $82 | — | $82 | 0.07% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | STANDARD LIFE INSURANCE COMPANY | $3K | $106 | $3K | 10.34% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | STANDARD LIFE INSURANCE COMPANY | $3K | $151 | $3K | 15.73% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | HUMANA | $663 | $343 | $1K | 16.15% |
| HEIDI HANSEN3 | 12 FOX VALLEY DR ORANGE PARK, FL 32073 | AFLAC | $5K | $164 | $5K | 131.63% |
| MARK BAILEY3 | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | AFLAC | $2K | $0 | $2K | 45.75% |
| BAYNASH & ASSOC3 | 4811 BEACH BLVD STE 107 JACKSONVILLE, FL 32207 | AFLAC | $1K | $20 | $1K | 37.30% |
| JAMEY MILLER INC3 | 4811 BEACH BLVD STE 107 JACKSONVILLE, FL 32207 | AFLAC | $552 | $33 | $585 | 16.20% |
| HAUGHT FINANCIAL GRP INC3 Filed as: HAUGHT FINANCIAL GROUP INC | P. O. BOX 3158 PONTE VEDRA BEACH, FL 32004 | AFLAC | $397 | $0 | $397 | 10.99% |
| MARK A LINSNER3 Filed as: MARK LINSNER | 153 BLANDING BLVD STE 3 ORANGE PARK, FL 32073 | AFLAC | $332 | $0 | $332 | 9.19% |
| SHADEL & ASSOCIATES LLC3 | 4811 BEACH BLVD STE 107 JACKSONVILLE, FL 32207 | AFLAC | $125 | $0 | $125 | 3.46% |
| ASHLEY CROOK3 | 111 DAUPHIN ST MOBILE, AL 36602 | AFLAC | $117 | $0 | $117 | 3.24% |
| TRACI R BATTEN3 Filed as: TRACI BATTEN | 216 MAITLAND AVE MAITLAND, FL 32701 | AFLAC | $99 | $0 | $99 | 2.74% |
| BETH LUANNE KIMBROUGH3 Filed as: BETH KIMBROUGH | 6750 N ANDREWS AVE STE 200 FT LAUDERDALE, FL 33309 | AFLAC | $53 | $0 | $53 | 1.47% |
| THOMAS JAMES OLLER3 Filed as: THOMAS OLLER | 49 SWIMMING PEN DR MIDDLEBURG, FL 32068 | AFLAC | $50 | $0 | $50 | 1.38% |
| SUZANNE STEINER3 | 5905 LUKE LANE FLAGLER BEACH, FL 32136 | AFLAC | $37 | $0 | $37 | 1.02% |
| JENNIE MOORE HAWKINS3 Filed as: JENNIE M HAWKINS INC | 3930 S NOVA RD STE 201 PORT ORANGE, FL 32127 | AFLAC | $17 | $0 | $17 | 0.47% |
| ROBERT L TRAPNELL JR3 Filed as: ROBERT TRAPNELL JR | 19 N INDIAN RIVER DR APT 701 COCOA, FL 32922 | AFLAC | $11 | $0 | $11 | 0.30% |
| J W GRIMES INC3 | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $8 | $0 | $8 | 0.22% |
| CECIL T SALMON3 Filed as: CECIL SALMON | 95 EDWARD DR PALM COAST, FL 32164 | AFLAC | $8 | $0 | $8 | 0.22% |
| JAMES R MIRABELLI3 Filed as: JAMES MIRABELLI | 99 SW MIZNER BLVD APT 843 BOCA RATON, FL 33432 | AFLAC | $2 | $0 | $2 | 0.06% |
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 | 134 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD LIFE INSURANCE COMPANY | 68 | $32K |
| Vision | HUMANA | 66 | $6K |
| Life insurance | STANDARD LIFE INSURANCE COMPANY | 133 | $21K |
| Short-term disability | AFLAC | 71 | $4K |
| Other | AFLAC | 71 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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.