| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | AETNA | $31K | — | $31K | 6.29% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | AETNA | $8K | — | $8K | 6.30% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY BLDG 2 STE 125 AUSTIN, TX 78746 | STANDARD LIFE INSURANCE COMPANY | $348 | — | $348 | 0.94% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 13.74% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 CAPITAL OF TX HWY BLDG 2 STE 125 AUSTIN, TX 78746 | STANDARD LIFE INSURANCE COMPANY | $465 | — | $465 | 2.03% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | HUMANA | $652 | $118 | $770 | 10.70% |
| HEIDI HANSEN3 | 12 FOX VALLEY DR ORANGE PARK, FL 32073 | AFLAC | $3K | $566 | $4K | 105.82% |
| JAMEY MILLER INC3 | 10375 CENTURION PKWY N STE 100 JACKSONVILLE, FL 32256 | AFLAC | $828 | $72 | $900 | 24.92% |
| KRYSTINA EBERHART3 | 11097 PARKSIDE PRESERVE WAY JACKSONVILLE, FL 32257 | AFLAC | $761 | $111 | $872 | 24.15% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | AFLAC | $793 | — | $793 | 21.96% |
| BAYNASH & ASSOC3 | 4811 BEACH BLVD STE 107 JACKSONVILLE, FL 32207 | AFLAC | $398 | $2 | $400 | 11.08% |
| HAUGHT FINANCIAL GRP INC3 Filed as: HAUGHT FINANCIAL GROUP INC | P. O. BOX 3158 PONTE VEDRA BEACH, FL 32004 | AFLAC | $336 | $0 | $336 | 9.30% |
| MARK BAILEY3 | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | AFLAC | $333 | $0 | $333 | 9.22% |
| MARK A LINSNER3 Filed as: MARK LINSNER | 153 BLANDING BLVD STE 3 ORANGE PARK, FL 32073 | AFLAC | $140 | $0 | $140 | 3.88% |
| SHADEL & ASSOCIATES LLC3 | 4811 BEACH BLVD STE 107 JACKSONVILLE, FL 32207 | AFLAC | $118 | $0 | $118 | 3.27% |
| ASHLEY CROOK3 | 111 DAUPHIN ST MOBILE, AL 36602 | AFLAC | $103 | $0 | $103 | 2.85% |
| TRACI R BATTEN3 Filed as: TRACI BATTEN | 216 MAITLAND AVE MAITLAND, FL 32701 | AFLAC | $97 | $0 | $97 | 2.69% |
| PHILIP L GREEN3 Filed as: PHILIP GREEN | 3948 3RD STREET S STE 175 JACKSONVILLE BEACH, FL 32250 | AFLAC | $60 | — | $60 | 1.66% |
| BETH LUANNE KIMBROUGH3 Filed as: BETH KIMBROUGH | 6750 N ANDREWS AVE STE 200 FT LAUDERDALE, FL 33309 | AFLAC | $46 | $0 | $46 | 1.27% |
| THOMAS JAMES OLLER3 Filed as: THOMAS OLLER | 49 SWIMMING PEN DR MIDDLEBURG, FL 32068 | AFLAC | $44 | $0 | $44 | 1.22% |
| SUZANNE STEINER3 | 5905 LUKE LANE FLAGLER BEACH, FL 32136 | AFLAC | $37 | $0 | $37 | 1.02% |
| JAMES R MIRABELLI3 Filed as: JAMES MIRABELLI | 99 SW MIZNER BLVD APT 843 BOCA RATON, FL 33432 | AFLAC | $19 | $0 | $19 | 0.53% |
| 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% |
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 | 126 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD LIFE INSURANCE COMPANY | 83 | $37K |
| Vision | HUMANA | 78 | $7K |
| Life insurance | STANDARD LIFE INSURANCE COMPANY | 134 | $23K |
| Short-term disability | AFLAC | 67 | $4K |
| Other | AFLAC | 67 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
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.