| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 | 625 A1A N PONTE VEDRA BEACH, FL 32082 | BLUE CROSS BLUE SHIELD OF FLORIDA | $34K | — | $34K | 6.00% |
| MFB FINANCIAL INC3 | 625 A1A N PONTE VEDRA BEACH, FL 32082 | BLUE CROSS BLUE SHIELD OF FLORIDA | $7K | — | $7K | 6.00% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR SUITE 210 ST AUGUSTINE, FL 32080 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 12.63% |
| NFP INSURANCE SERVICES INC3 | BLDG 2 STE 125 1250 CAPITAL OF TX HWY AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $842 | — | $842 | 1.35% |
| HEIDI HANSEN3 | 12 FOX VALLEY ORANGE PARK, FL 32073 | AFLAC | $2K | $263 | $3K | 6.21% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL | 1200 PLANTATION ISLAND DR S STE 210 PONTE VEDRA BEACH, FL 32080 | AFLAC | $548 | — | $548 | 1.32% |
| KRYSTINA S EBERHART | 11097 PARKSIDE PRESERVE WAY JACKSONVILLE, FL 32257 | AFLAC | $379 | $49 | $428 | 1.03% |
| EBERHART & ASSOCIATES INC3 | 11097 PARKSIDE PRESERVE WAY JACKSONVILLE, FL 32257 | AFLAC | $323 | — | $323 | 0.78% |
| HAUGHT FINANCIAL GRP INC3 | PO BOX 3158 PONTE VEDRA BEACH, FL 32004 | AFLAC | $318 | — | $318 | 0.77% |
| PHILIP L GREEN3 | 3948 3RD ST S STE 175 JACKSONVILLE BEACH, FL 32250 | AFLAC | $304 | $4 | $308 | 0.74% |
| JAMEY MILLER INC3 | 10375 CENTURION PKWY N STE 100 JACKSONVILLE, FL 32256 | AFLAC | $240 | $49 | $289 | 0.70% |
| JAMEY MILLER INC3 | 2202 57TH ST SE AUBURN, WA 98092 | AFLAC | $202 | — | $202 | 0.49% |
| MARK F BAILEY3 | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | AFLAC | $180 | — | $180 | 0.43% |
| MARK A LINSNER3 | 10375 CENTURION PKWY N STE 100 JACKSONVILLE, FL 32256 | AFLAC | $142 | — | $142 | 0.34% |
| MARK A LINSNER3 | 153 BLANDING BLVD STE 3 ORANGE PARK, FL 32073 | AFLAC | $128 | $4 | $132 | 0.32% |
| SHADEL & ASSOCIATES LLC3 Filed as: SHADEL & ASSOCIATES INC | 126 HOPKINS ST NEPTUNE BEACH, FL 32266 | AFLAC | $117 | — | $117 | 0.28% |
| TRACI R BATTEN3 | 216 W MAITLAND BLVD MAITLAND, FL 32751 | AFLAC | $86 | — | $86 | 0.21% |
| ASHLEY CROOK3 Filed as: ASHLEY L CROOK | 10167 SUMMERLAKE DR MOBILE, AL 36608 | AFLAC | $48 | — | $48 | 0.12% |
| ASHLEY CROOK3 Filed as: ASHLEY L CROOK | 3187 ESSEX PLACE DR MOBILE, AL 36695 | AFLAC | $45 | — | $45 | 0.11% |
| BETH LUANNE KIMBROUGH3 | 6750 N ANDREWS AVE STE 200 FT LAUDERDALE, FL 33309 | AFLAC | $42 | — | $42 | 0.10% |
| JAMEY MILLER INC3 Filed as: JAMEY J MILLER | 2202 57TH ST SE AUBURN, WA 98092 | AFLAC | $40 | — | $40 | 0.10% |
| JAMEY MILLER INC3 Filed as: JAMEY J MILLER | 10375 CENTURION PKWY N STE 100 JACKSONVILLE, FL 32256 | AFLAC | $40 | — | $40 | 0.10% |
| THOMAS JAMES OLLER3 | 2410 SOUTHERN LINKS DR FLEMING ISLAND, FL 32003 | AFLAC | $40 | — | $40 | 0.10% |
| JAMES R MIRABELLI3 | 801 BRINY AVE APT 1403 POMPANO BEACH, FL 33062 | AFLAC | $18 | — | $18 | 0.04% |
| SUZANNE STEINER3 | 16 TIFFANY CIRCLE ORMOND BEACH, FL 32174 | AFLAC | $18 | — | $18 | 0.04% |
| JENNIE MOORE HAWKINS3 Filed as: JENNIE M HAWKINS INC | 3930 S NOVA RD STE 201 PORT ORANGE, FL 32127 | AFLAC | $9 | — | $9 | 0.02% |
| CECIL T SALMON3 | 95 EDWARD DR PALM COAST, FL 32164 | AFLAC | $7 | — | $7 | 0.02% |
| TRACI R BATTEN3 | 3150 PERIMETER PKWY STE 115 AUGUSTA, GA 30909 | AFLAC | $7 | — | $7 | 0.02% |
| ROBERT L TRAPNELL JR3 Filed as: ROBERT T TRAPNELL JR | 15 N INDIAN RIVER DR APT 705 COCOA, FL 32922 | AFLAC | $6 | — | $6 | 0.01% |
| J W GRIMES INC3 | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $4 | — | $4 | 0.01% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE STE 210 ST AUGUSTINE, FL 32080 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 16.00% |
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 | 128 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 131 | $62K |
| Vision | HUMANA INSURANCE COMPANY | 76 | $7K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 131 | $104K |
| Short-term disability | AFLAC | 67 | $41K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 72 | $677K |
| Other | AFLAC | 67 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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.