| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL DBA THE BAILEY GROUP3 Filed as: MFB FINANCIAL INC DBA THE BAILEY GR | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $83K | $83K | 5.26% |
| THOMAS JAMES OLLER3 | 2410 SOUTHERN LINKS DR FLEMING ISLAND, FL 32003 | AFLAC | $31K | $741 | $32K | 16.98% |
| MARK A LINSNER3 Filed as: MARK LINSNER | 153 BLANDING BLVD STE 3 ORANGE PARK, FL 32073 | AFLAC | $4K | $208 | $4K | 2.31% |
| PETER HAGER3 | 4660 NOTTINGHAM RD JACKSONVILLE, FL 32210 | AFLAC | $2K | — | $2K | 1.00% |
| MICHAEL RAYMOND HIGGINS3 | 1003 DRAKEFEATHER DR ORANGE PARK, FL 32068 | AFLAC | $2K | — | $2K | 0.84% |
| KEGAN NICOLE GONZALEZ3 | 153 BLANDING BLVD STE 3 ORANGE PARK, FL 32076 | AFLAC | $1K | $196 | $1K | 0.77% |
| CHRIS GUZEWICH3 | 1007 DRAKEFEATHER DR ORANGE PARK, FL 32065 | AFLAC | $849 | — | $849 | 0.46% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JORDAN ALAN BROWN | 2905 LONGLEAF RANCH CIR MIDDLEBURG, FL 32068 | AFLAC | $802 | — | $802 | 0.43% |
| SUMAYYA HARRIS3 | 2542 ARMOR CT JACKSONVILLE, FL 32254 | AFLAC | $305 | $291 | $596 | 0.32% |
| TIFFANY A HEANING3 | 3355 SARAH SPAULDING DR JACKSONVILLE, FL 32223 | AFLAC | $429 | — | $429 | 0.23% |
| MARK A LINSNER3 Filed as: MARK LINSNER | 10375 CENTURION PKWY N STE 100 JACKSONVILLE, FL 32256 | AFLAC | $359 | — | $359 | 0.19% |
| TONY D PERRRY3 | 656 FRANCIS ST. 26 SAINT AUGUSTINE, FL 32084 | AFLAC | $245 | — | $245 | 0.13% |
| TRACI R BATTEN3 | 216 W MAITLAND BLVD MAITLAND, FL 32751 | AFLAC | $225 | — | $225 | 0.12% |
| JIMMY D BOONE3 | 5346 DOMINICA CIR SARASOTA, FL 34233 | AFLAC | $185 | — | $185 | 0.10% |
| TAMARA ANN HAYGOOD3 | 3017 ANGORA DAY DR MIDDLEBURG, FL 32068 | AFLAC | $167 | — | $167 | 0.09% |
| BETH LUANNE KIMBROUGH3 | 6750 N ANDREWS AVE STE 200 FT LAUDERDALE, FL 33309 | AFLAC | $159 | — | $159 | 0.09% |
| MITCHEL STEVEN SHEPARD3 | 11546 TWIN OAKS TRL JACKSONVILLE, FL 32258 | AFLAC | $140 | — | $140 | 0.08% |
| TROY DANIEL DESLATTE3 | 107 SHADY PARK DR LAFAYETTE, LA 70508 | AFLAC | $117 | — | $117 | 0.06% |
| THOMAS C FABIAN3 | 3307 PORT ROYALE DR S APT 602 FORT LAUDERDALE, FL 33308 | AFLAC | $67 | $38 | $105 | 0.06% |
| GEORGE J ANTONIADIS3 | 3771 GIGGIN CHURCH RD W JACKSONVILLE, FL 32224 | AFLAC | $93 | — | $93 | 0.05% |
| TERRY SIMS3 | 2899 COUNTRY CLUB BLVD ORANGE PARK, FL 32224 | AFLAC | $77 | — | $77 | 0.04% |
| KEGAN NICOLE GONZALEZ3 | 49 SWIMMING PEN DR MIDDLEBURG, FL 32068 | AFLAC | $72 | — | $72 | 0.04% |
| COORDINATED BENEFITS COMPANY LLC3 Filed as: COORDINATED BENEFITS GROUP | 9432 BAYMEADOWS RD STE 260 JACKSONVILLE, FL 32256 | AFLAC | $60 | — | $60 | 0.03% |
| SHELLIE GASKINS3 Filed as: SHELLIE L GASKINS | 510 22ND ST SAINT AUGUSTINE, FL 32084 | AFLAC | $57 | — | $57 | 0.03% |
| J C ADAMS INC3 Filed as: J C ADAMS | 5631 NE 31ST TER OCALA, FL 34479 | AFLAC | $49 | — | $49 | 0.03% |
| JAMES R MIRABELLI3 | 801 BRINY AVE APT 1403 POMPANO BEACH, FL 33062 | AFLAC | $49 | — | $49 | 0.03% |
| LINDSAY NORFLEET FICO3 | 1929 SW 247TH WAY NEWBERRY, FL 32669 | AFLAC | $48 | — | $48 | 0.03% |
| JIMMY LEON JOHNSON3 | 40 AVERY ST SAINT AUGUSTINE, FL 32084 | AFLAC | $47 | — | $47 | 0.03% |
| DIANA LYNN BOONE3 | 3998 CONFEDERATE POINT RD STE 103 JACKSONVILLE, FL 32210 | AFLAC | $39 | — | $39 | 0.02% |
| CECIL T SALMON3 | 95 EDWARD DR. PALM COAST, FL 32164 | AFLAC | $31 | — | $31 | 0.02% |
| DAVID K MOBLEY3 | 3812 VALVERDE CIR JACKSONVILLE, FL 32224 | AFLAC | $25 | — | $25 | 0.01% |
| JEFFREY M SINTAY3 | 2685 S RAINBOW BLVD STE 200 LAS VEGAS, NV 89146 | AFLAC | $21 | — | $21 | 0.01% |
| SHEILA R GERSTNER3 | 68 ENREDE LN SAINT AUGUSTINE, FL 32095 | AFLAC | $11 | — | $11 | 0.01% |
| ROBERT P FERRONE3 Filed as: ROBERT FERRONE | 8168 CENTRAL PARK WAY N APT 202 MAPLE GROVE, MN 55369 | AFLAC | $7 | — | $7 | 0.00% |
| KIARA N ROBERSTON3 | 4439 STEAMBOAT SPRINGS DR E JACKSONVILLE, FL 32210 | AFLAC | $7 | — | $7 | 0.00% |
| VICKI M DICKERT3 | 258 SEAVIEW AVE DAYTONA BEACH, FL 32118 | AFLAC | $4 | — | $4 | 0.00% |
| ROBERT VICTOR WOERNER II3 | 210 6TH ST. UNIT K ST AUGUSTINE, FL 32080 | AFLAC | $3 | — | $3 | 0.00% |
| JAMES (JAY) GRIMES3 Filed as: JAMES R HARRIS | 6329 RIVERMONT CT COLUMBUS, GA 31904 | AFLAC | $2 | — | $2 | 0.00% |
| DONNA DANIELLE SMITH3 | 2285 MARSH HAWK LN APT 19202 FLEMING ISLAND, FL 32003 | AFLAC | $1 | — | $1 | 0.00% |
| SANDRA MANTIONE3 | 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% |
| VERA I CRUICE3 Filed as: VERA CRUICE | 11445 DRAKEWOOD CT APT 2 JACKSONVILLE, FL 32223 | AFLAC | $1 | — | $1 | 0.00% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 Filed as: MFB FINANCIAL INC DBA THE BAILEY GR | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | HUMANA INSURANCE COMPANY | $7K | $2K | $9K | 16.93% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 Filed as: MFB FINANCIAL INC DBA THE BAILEY GR | 1200 PLANTATION ISLAND DR S STE 210 SAINT AUGUSTINE, FL 32080 | COMPBENEFITS COMPANY | $3K | $801 | $3K | 19.34% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 Filed as: MFB FINANCIAL INC DBA THE BAILEY GR | 1200 PLANTATION ISLAND DR S STE 210 SAINT AUGUSTINE, FL 32080 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $13 | — | $13 | 6.28% |
| MATT CASTO4 | 7365 TREELINE DR SE GRAND RAPIDS, MN 49546 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1 | — | $1 | 0.48% |
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 | 160 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 326 | $1.6M |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 274 | $68K |
| Vision | HUMANA INSURANCE COMPANY | 274 | $51K |
| Other(2 contracts, 2 carriers) | AFLAC | 284 | $186K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 326 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.