| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INC. | 1200 PLANTATION ISLAND DR. S SUITE 210 SAINT AUGUSTINE, FL 32080 | BLUE CROSS BLUE SHIELD OF FLORIDA | $42K | — | $42K | 5.00% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INC. | 1200 PLANTATION ISLAND DR. S. SUITE 210 SAINT AUGUSTINE, FL 32080 | HEALTH OPTIONS, INC. | $11K | — | $11K | 5.00% |
| THOMAS JAMES OLLER3 Filed as: THOMAS OLLER | 2410 SOUTHERN LINKS DR. FLEMING ISLAND, FL 32003 | AFLAC | $11K | $401 | $11K | 9.94% |
| KEGAN NICOLE GONZALEZ3 Filed as: KEGAN GONZALEZ | 49 SWIMMING PEN DR. MIDDLEBURG, FL 32068 | AFLAC | $7K | $205 | $7K | 5.84% |
| MARK A LINSNER3 Filed as: MARK LINSNER | 153 BLANDING BLVD. SUITE 3 ORANGE PARK, FL 32065 | AFLAC | $2K | $103 | $2K | 1.91% |
| MICHAEL HIGGINS3 | 1003 DRAKE FEATHER DR. ORANGE PARK, FL 32065 | AFLAC | $2K | — | $2K | 1.74% |
| CHRIS GUZEWICH3 | 1003 DRAKE FEATHER DR. ORANGE PARK, FL 32065 | AFLAC | $1K | — | $1K | 0.87% |
| TAMARA HAYGOOD3 | 3017 ANGORA BAY DR. MIDDLEBURG, FL 32068 | AFLAC | $676 | $14 | $690 | 0.60% |
| SHELLIE GASKINS3 | 510 22ND ST. ST. AUGUSITNE, FL 32094 | AFLAC | $642 | — | $642 | 0.56% |
| TRACI R BATTEN3 Filed as: TRACI BATTEN | 216 MAITLAND AVE. MAITLAND, FL 32701 | AFLAC | $332 | — | $332 | 0.29% |
| TRICIA OLSON3 Filed as: TRICIA OLSEN | 304 W PISA PLACE ST. AUGUSTINE, FL 32084 | AFLAC | $246 | — | $246 | 0.21% |
| JIMMY D BOONE3 Filed as: JIMMY BOONE | 5346 DOMINICA CIR SARASOTA, FL 34233 | AFLAC | $209 | — | $209 | 0.18% |
| BETH LUANNE KIMBROUGH3 Filed as: BETH KIMBROUGH | 6750 N ANDREWS AVE STE 200 FT. LAUDERDALE, FL 33309 | AFLAC | $204 | — | $204 | 0.18% |
| LESLIE KEATING3 | 5939 PAVILION DR. JACKSONVILLE, FL 32258 | AFLAC | $163 | $2 | $165 | 0.14% |
| COORDINATED BENEFITS COMPANY LLC3 Filed as: COORDINATED BENEFITS GROUP | 9432 BAYMEADOWS RD. STE 260 JACKSONVILLE, FL 32256 | AFLAC | $162 | — | $162 | 0.14% |
| TROY DANIEL DESLATTE3 Filed as: TROY DESLATTE | 107 SHADY PARK DR. LAFAYETTE, LA 70508 | AFLAC | $130 | — | $130 | 0.11% |
| SHARON ANTONIADIS3 | 3771 BIGGIN CHUCH RD W JACKSONVILLE, FL 32224 | AFLAC | $91 | — | $91 | 0.08% |
| TERRY SIMS3 | 2899 COUNTRY CLUB BLVD. ORANGE PARK, FL 32073 | AFLAC | $71 | — | $71 | 0.06% |
| LINDSAY NORFLEET FICO3 Filed as: LINDSAY FICO | 1929 SW 247TH WAY NEWBERRY, FL 32669 | AFLAC | $71 | — | $71 | 0.06% |
| JAMES R MIRABELLI3 Filed as: JAMES MIRABELLI | 21426 GOSIER WAY BOCA RATON, FL 33428 | AFLAC | $60 | — | $60 | 0.05% |
| J C ADAMS INC3 Filed as: JC ADAMS | 5631 NE 31ST. TER OCALA, FL 34479 | AFLAC | $51 | — | $51 | 0.04% |
| JIMMY LEON JOHNSON3 Filed as: JIMMY JOHNSON | 28 MAGNOLIA AVE ST. AUGUSTINE, FL 32084 | AFLAC | $47 | — | $47 | 0.04% |
| CECIL T SALMON3 Filed as: CECIL SALMON | 95 EDWARD DR. PALM COAST, FL 32164 | AFLAC | $41 | — | $41 | 0.04% |
| DIANA LYNN BOONE3 | 3998 CONFEDERATE POINT RD. SUITE 103 JACKSONVILLE, FL 32210 | AFLAC | $36 | — | $36 | 0.03% |
| DAVID K MOBLEY3 Filed as: DAVID MOBLEY | 3812 VALVERDE CIR JACKSONVILLE, FL 32224 | AFLAC | $24 | — | $24 | 0.02% |
| BANYASH & ASSOCIATES INC3 Filed as: BANYASH AND ASSOCIATES INC. | 4811 BEACH BLVD STE 107 JACKSONVILLE, FL 32207 | AFLAC | $23 | — | $23 | 0.02% |
| JEFFREY M SINTAY3 Filed as: JEFFREY SINTAY | 1972 ALCOVA RIDGE DR. LAS VEGAS, NV 89135 | AFLAC | $20 | — | $20 | 0.02% |
| ROB WOENER3 | 2285 MARSH HAWK LANE APT 1304 FLEMING ISLAND, FL 32003 | AFLAC | $7 | — | $7 | 0.01% |
| ROBERT P FERRONE3 Filed as: ROBERT FERRONE | 1701 WILLIAMS CT APT 202 COLUMBUS, GA 31904 | AFLAC | $6 | — | $6 | 0.01% |
| VICKI M DICKERT3 Filed as: VICKI DICKERT | 258 SEAVIEW AVE. DAYTONA BEACH, FL 32118 | AFLAC | $4 | — | $4 | 0.00% |
| DONNA DANIELLE SMITH3 Filed as: DONNA SMITH | 2285 MARSH HAWK LANE APT 19202 FLEMING ISLAND, FL 32003 | AFLAC | $3 | — | $3 | 0.00% |
| JAMES HARRIS3 | 6329 RIVERMONTH CT COLUMBUS, GA 31904 | AFLAC | $2 | — | $2 | 0.00% |
| SANDRA MANTIONE3 | 5595 CAMPO DR KEYSTONE HEIGHTS, FL 32656 | AFLAC | $1 | — | $1 | 0.00% |
| MICHELLE HASKELL3 | PO BOX 440307 JACKSONVILLE, FL 32222 | AFLAC | $1 | — | $1 | 0.00% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INC. | 1200 PLANTATION ISLAND DR. S. SUITE 210 SAINT AUGUSTINE, FL 32080 | HUMANA INSURANCE COMPANY | $5K | $1K | $6K | 18.83% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INC. | 1200 PLANTATION ISLAND DR. S. SUITE 210 ST. AUGUSTINE, FL 32086 | COMPBENEFITS COMPANY | $1K | $409 | $2K | 21.37% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INC. | 1200 PLANTATION ISLAND DR. S SUITE 210 SAINT AUGUSTINE, FL 32080 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $24 | — | $24 | 6.27% |
| MATT CASTO4 | 1700 WHITFIELD RD SE EAST GRAND RAPIDS, MI 49506 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $23 | — | $23 | 6.01% |
| CHARLES B ZITSMAN4 Filed as: CHARLES ZITSMAN | 3521 KINGS RD. SAINT AUGUSTINE, FL 32086 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | — | $9 | $9 | 2.35% |
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 | 148 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 148 | 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 | 119 | $1.1M |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 177 | $42K |
| Vision | HUMANA INSURANCE COMPANY | 177 | $34K |
| Other(2 contracts, 2 carriers) | AFLAC | 163 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.