| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 SAINT AUGUSTINE, FL 32080 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $95K | $95K | 4.81% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S SAINT AUGUSTINE, FL 32080 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $4K | $4K | 0.18% |
| THOMAS JAMES OLLER3 | 2410 SOUTHERN LINKS DR FLEMING ISLAND, FL 32003 | AFLAC | $38K | $3K | $40K | 17.84% |
| MARK A LINSNER3 | 10375 CENTURION PKWY N STE 100 JACKSONVILLE, FL 32256 | AFLAC | $6K | $488 | $6K | 2.85% |
| KEGAN NICOLE GONZALEZ3 Filed as: KEGAN NCIOLE GONZALEZ | 153 BLANDING BLVD STE 3 ORANGE PARK, FL 32073 | AFLAC | $2K | — | $2K | 0.99% |
| MITCHEL STEVEN SHEPARD3 | 11546 TWIN OAKS TRL JACKSONVILLE, FL 32258 | AFLAC | $1K | — | $1K | 0.54% |
| MICHAEL RAYMOND HIGGINS3 | 1003 DRAKEFEATHER DR ORANGE PARK, FL 32065 | AFLAC | $1K | — | $1K | 0.50% |
| AMANDA A BLAKLEY3 | 201A 7TH ST SAINT AUGUSTINE, FL 32080 | AFLAC | $974 | — | $974 | 0.43% |
| CHRIS GUZEWICH3 | 1007 DRAKEFEATHER DR ORANGE PARK, FL 32065 | AFLAC | $612 | — | $612 | 0.27% |
| PETER HAGER3 Filed as: PETER C HAGER | 4660 NOTTINGHAM RD JACKSONVILLE, FL 32210 | AFLAC | $234 | $122 | $356 | 0.16% |
| BETH LUANNE KIMBROUGH3 | 6750 N ANDREWS AVE STE 200 FT LAUDERDALE, FL 33309 | AFLAC | $129 | — | $129 | 0.06% |
| TONY D PERRRY3 Filed as: TONY D PERRY | 656 FRANCIS ST #26 SAINT AUGUSTINE, FL 32084 | AFLAC | $129 | — | $129 | 0.06% |
| JIMMY D BOONE3 | 5346 DOMINICA CIR SARASOTA, FL 34233 | AFLAC | $110 | — | $110 | 0.05% |
| TAMARA ANN HAYGOOD3 | 3017 ANGORA BAY DR MIDDLEBURG, FL 32068 | AFLAC | $101 | — | $101 | 0.04% |
| TRACI R BATTEN3 | 375 HARBOUR COVE DR APT 323 SPARKS, NV 89434 | AFLAC | $94 | — | $94 | 0.04% |
| TROY DANIEL DESLATTE3 | 107 SHADY PARK DR LAFAYETTE, FL 70508 | AFLAC | $86 | — | $86 | 0.04% |
| TIFFNEY A HEANING3 | 3355 SARAH SPAULDING DR JACKSONVILLE, FL 32223 | AFLAC | $55 | $26 | $81 | 0.04% |
| GEORGE J ANTONIADIS3 | 3771 BIGGIN CHURCH RD W JACKSONVILLE, FL 32224 | AFLAC | $79 | — | $79 | 0.03% |
| TRACI R BATTEN3 | 216 W MAITLAND BLVD MAITLAND, FL 32751 | AFLAC | $66 | — | $66 | 0.03% |
| TERRY SIMS3 | 2899 COUNTRY CLUB BLVD ORANGE PARK, FL 32073 | AFLAC | $65 | — | $65 | 0.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JORDAN ALAN BROWN | 2905 LONGLEAF RANCH CIR MIDDLEBURG, FL 32068 | AFLAC | — | $42 | $42 | 0.02% |
| JAMES R MIRABELLI3 | 801 BRINY AVE APT 1403 POMPANO BEACH, FL 33062 | AFLAC | $40 | — | $40 | 0.02% |
| LINDSAY NORFLEET FICO3 | 1929 SW 247TH WAY NEWBERRY, FL 32669 | AFLAC | $40 | — | $40 | 0.02% |
| JOEY C ADAMS3 | 317 NORTHEAST 36TH AVE STE 6 OCALA, FL 34470 | AFLAC | $38 | — | $38 | 0.02% |
| JIMMY LEON JOHNSON3 | 40 AVERY ST SAINT AUGUSTINE, FL 32084 | AFLAC | $36 | — | $36 | 0.02% |
| SHELIA R GERSTNER3 | 68 ENREDE LN SAINT AUGUSTINE, FL 32095 | AFLAC | $36 | — | $36 | 0.02% |
| DIANA LYNN BOONE3 | 3998 CONFEDERATE POINT RD STE 103 JACKSONVILLE, FL 32210 | AFLAC | $33 | — | $33 | 0.01% |
| CECIL T SALMON3 | 27 RAMBLEWOOD DR PALM COAST, FL 32164 | AFLAC | $24 | — | $24 | 0.01% |
| DAVID K MOBLEY3 | 3812 VALVERDE CIR JACKSONVILLE, FL 32224 | AFLAC | $22 | — | $22 | 0.01% |
| TRACI R BATTEN3 Filed as: TRACI BATTEN | 3150 PERIMETER PKWY STE 115 AUGUSTA, GA 30909 | AFLAC | $17 | — | $17 | 0.01% |
| COORDINATED BENEFITS COMPANY LLC3 Filed as: COORDINATED BENEFITS GROUP | 9432 BAYMEADOWS RD STE 260 JACKSONVILLE, FL 32256 | AFLAC | $15 | — | $15 | 0.01% |
| JEFFREY M SINTAY3 | 100 GALLERIA PKWY SE STE 900 ATLANTA, GA 30339 | AFLAC | $11 | — | $11 | 0.00% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 9432 BAYMEADOWS RD STE 260 JACKSONVILLE, FL 32256 | AFLAC | $10 | — | $10 | 0.00% |
| ROBERT P FERRONE3 | 262 AUTUMN TRAIL WAY WAVERLY HALL, GA 31831 | AFLAC | $6 | — | $6 | 0.00% |
| JEFFREY M SINTAY3 | 5300 OAKBROOK PKWY STE 300 NORCROSS, GA 30093 | AFLAC | $4 | — | $4 | 0.00% |
| J C ADAMS INC3 | 5631 NE 31ST TER OCALA, FL 34479 | AFLAC | $4 | — | $4 | 0.00% |
| SHADEL & ASSOCIATES LLC3 | 126 HOPKINS ST NEPTUNE BEACH, FL 32266 | AFLAC | $3 | — | $3 | 0.00% |
| JEFFREY M SINTAY3 | 2685 S RAINBOW BLVD STE 200 LAS VEGAS, NV 89146 | AFLAC | $2 | — | $2 | 0.00% |
| JAMES (JAY) GRIMES3 Filed as: JAMES R HARRIS | 6329 RIVERMONT CT COLUMBUS, GA 31904 | AFLAC | $2 | — | $2 | 0.00% |
| SANDRA MANTIONE3 Filed as: SANDRA J MANTIONE | 5595 CAMPO DR KEYSTONE HEIGHTS, FL 32656 | AFLAC | $1 | — | $1 | 0.00% |
| SHELLIE GASKINS3 Filed as: SHELLIE L GASKINS | 510 22ND ST SAINT AUGUSTINE, FL 32084 | AFLAC | $1 | — | $1 | 0.00% |
| VICKI M DICKERT3 | 3264 ADDISON LN TALLAHASSEE, FL 32317 | AFLAC | $1 | — | $1 | 0.00% |
| MARIE MICHELE HASKELL3 | 5023 EAGLE POINT DR JACKSONVILLE, FL 32244 | AFLAC | $1 | — | $1 | 0.00% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 SAINT AUGUSTINE, FL 32080 | HUMANA INSURANCE COMPANY | $7K | $2K | $9K | 19.21% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 SAINT AUGUSTINE, FL 32080 | HUMANA INSURANCE COMPANY | $2K | $963 | $3K | 14.37% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 SAINT AUGUSTINE, FL 32080 | COMPBENEFITS COMPANY | $3K | $881 | $4K | 19.55% |
| MATT CASTO4 | 7365 TREELINE DR SE GRAND RAPIDS, MI 49546 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $99 | — | $99 | 23.86% |
| MFB FINANCIAL DBA THE BAILEY GROUP4 | 1200 PLANTATION ISLAND DR S STE 210 SAINT AUGUSTINE, FL 32080 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $93 | — | $93 | 22.41% |
| CHARLES B ZITSMAN4 | 3521 KINGS RD S SAINT AUGUSTINE, FL 32086 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $38 | — | $38 | 9.16% |
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 | 212 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 212 | $2.0M |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 143 | $64K |
| Vision | HUMANA INSURANCE COMPANY | 186 | $22K |
| Other(2 contracts, 2 carriers) | AFLAC | 206 | $227K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.