| 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 | $52K | — | $52K | 5.00% |
| 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 | $13K | — | $13K | 5.00% |
| THOMAS JAMES OLLER3 Filed as: THOMAS OLLER | 2410 SOUTHERN LINKS DR. FLEMING ISLAND, FL 32003 | AFLAC | $12K | $839 | $13K | 9.65% |
| KEGAN NICOLE GONZALEZ3 Filed as: KEGAN GONZALEZ | 49 SWIMMING PEN DR. MIDDLEBURG, FL 32068 | AFLAC | $4K | $415 | $4K | 3.14% |
| MARK LINSER3 | 153 BLANDING BLVD. SUITE 3 ORANGE PARK, FL 32065 | AFLAC | $2K | $234 | $3K | 1.98% |
| SUMAYYA HARRIS3 | 2542 ARMOR CR. JACKSONVILLE, FL 32254 | AFLAC | $3K | $7 | $3K | 1.90% |
| MICHAEL HIGGINS3 | 1003 DRAKE FEATHER DR. ORANGE PARK, FL 32065 | AFLAC | $2K | — | $2K | 1.25% |
| THOMAS FABIAN3 | 84 AUBURNDALE DR PONTE VEDRA, FL 32081 | AFLAC | $1K | $1 | $1K | 0.89% |
| CHRIS GUZEWICH3 | 1007 DRAKE FEATHER DR ORANGE PARK, FL 32065 | AFLAC | $876 | — | $876 | 0.64% |
| COORDINATED BENEFITS COMPANY LLC3 Filed as: COORDINATED BENEFITS GROUP | 9432 BAYMEADOWS RD. STE 260 JACKSONVILLE, FL 32256 | AFLAC | $325 | — | $325 | 0.24% |
| TRACY BATTERN3 | 216 MAITLAND AVE. MAITLAND, FL 32701 | AFLAC | $288 | — | $288 | 0.21% |
| SHEILA R GERSTNER3 Filed as: SHEILA GERSTNER | 68 ENREDE LN SAINT AUGUSTINE, FL 32095 | AFLAC | $287 | — | $287 | 0.21% |
| TAMARA HAYGOOD3 | 3017 ANGORA BAY DR. MIDDLEBURG, FL 32068 | AFLAC | $157 | $76 | $233 | 0.17% |
| BETH LUANNE KIMBROUGH3 Filed as: BETH KIMBROUGH | 6750 N ANDREWS AVE STE 200 FT. LAUDERDALE, FL 33309 | AFLAC | $183 | — | $183 | 0.13% |
| JIMMY D BOONE3 Filed as: JIMMY BOONE | 5346 DOMINICA CIR SARASOTA, FL 34233 | AFLAC | $175 | — | $175 | 0.13% |
| SHELLIE GASKINS3 | 510 22ND ST. ST. AUGUSITNE, FL 32094 | AFLAC | $87 | $44 | $131 | 0.10% |
| TROY DANIEL DESLATTE3 Filed as: TROY DESLATTE | 107 SHADY PARK DR. LAFAYETTE, LA 70508 | AFLAC | $117 | — | $117 | 0.09% |
| SHARON ANTONIADIS3 | 3771 BIGGIN CHUCH RD W JACKSONVILLE, FL 32224 | AFLAC | $86 | — | $86 | 0.06% |
| TERRY SIMS3 | 2899 COUNTRY CLUB BLVD. ORANGE PARK, FL 32073 | AFLAC | $70 | — | $70 | 0.05% |
| JAMES R MIRABELLI3 Filed as: JAMES MIRABELLI | 801 BRINY AVE APT 1403 POMPANO BEACH, FL 33062 | AFLAC | $58 | — | $58 | 0.04% |
| JIMMY LEON JOHNSON3 Filed as: JIMMY JOHNSON | 1005 BELLA VISTA BLVD APT 119 SAINT AUGUSTINE, FL 32084 | AFLAC | $47 | — | $47 | 0.03% |
| J C ADAMS INC3 Filed as: JC ADAMS | 5631 NE 31ST TER OCALA, FL 34479 | AFLAC | $46 | — | $46 | 0.03% |
| LINDSAY NORFLEET FICO3 Filed as: LINDSAY FICO | 1929 SW 247TH WAY NEWBERRY, FL 32669 | AFLAC | $46 | — | $46 | 0.03% |
| CECIL T SALMON3 Filed as: CECIL SALMON | 95 EDWARD DRIVE PALM COAST, FL 32164 | AFLAC | $38 | — | $38 | 0.03% |
| 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% |
| TRICIA OLSON3 | 304 W PISA PLACE ST. AUGUSTINE, FL 32084 | AFLAC | $13 | $9 | $22 | 0.02% |
| JEFFREY M SINTAY3 Filed as: JEFFREY SINTAY | 1972 ALCOVA RIDGE DR. LAS VEGAS, NV 89135 | AFLAC | $21 | — | $21 | 0.02% |
| LESLIE KEATING3 | 5939 PAVILION DR. JACKSONVILLE, FL 32258 | AFLAC | $15 | — | $15 | 0.01% |
| KRYSTINA EBERHART3 | 5584 HARBORSIDE DR TAMAPA, FL 33615 | AFLAC | $11 | — | $11 | 0.01% |
| ROBERT P FERRONE3 Filed as: ROBERT FERRONE | 1701 WILLIAMS CT APT 202 COLUMBUS, GA 31904 | AFLAC | $7 | — | $7 | 0.01% |
| ROBERT WOERNER3 | 2285 MARSH HAWK LANE APT 1304 FLEMING ISLAND, FL 32003 | AFLAC | $7 | — | $7 | 0.01% |
| DONNA DANIELLE SMITH3 Filed as: DONNA SMITH | 2285 MARSH HAWK LANE APT 19202 FLEMING ISLAND, FL 32003 | AFLAC | $4 | — | $4 | 0.00% |
| VICKI M DICKERT3 Filed as: VICKI DICKERT | 258 SEAVIEW AVE. DAYTONA BEACH, FL 32118 | AFLAC | $4 | — | $4 | 0.00% |
| JAMES HARRIS3 | 6329 RIVERMONT CT COLUMBUS, GA 31904 | AFLAC | $2 | — | $2 | 0.00% |
| SANDRA MANTIONE3 Filed as: SANDRA MANITONE | 5595 CAMPO DR KEYSTONE HEIGHTS, FL 32656 | AFLAC | $1 | — | $1 | 0.00% |
| MICHELE HASKELL3 | PO BOX 440307 JACKSONVILLE, FL 32222 | AFLAC | $1 | — | $1 | 0.00% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INC. | — | HUMANA INSURANCE COMPANY | $7K | $16 | $7K | 13.67% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INC. | 1200 PLANTATION ISLAND DR. S SUITE 210 SAINT AUGUSTINE, FL 32080 | COMPBENEFITS COMPANY | $2K | $4 | $2K | 15.04% |
| MATT CASTO3 | 7365 TREELINE DR. SE GRAND RAPIDS, MI 49546 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $10 | — | $10 | 6.25% |
| 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 | $10 | — | $10 | 6.25% |
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 | 179 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 143 | $1.3M |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 253 | $63K |
| Vision | HUMANA INSURANCE COMPANY | 253 | $51K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 143 | $1.3M |
| Other(2 contracts, 2 carriers) | AFLAC | 179 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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.