| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS JAMES OLLER3 | 2410 SOUTHERN LINKS DR FLEMING ISLAND, FL 32003 | AFLAC | $8K | $1K | $9K | 8.23% |
| EMILY E HUNT3 | 153 BLANDING BLVD ORANGE PARK, FL 32073 | AFLAC | $2K | — | $2K | 1.67% |
| SHADEL & ASSOCIATES LLC3 | 3100 BLUFF LN HILLSBOROUGH, NC 27278 | AFLAC | $862 | $330 | $1K | 1.08% |
| ROGERS BENEFIT GROUP INC3 Filed as: MICHAEL W ROGERS | 330 CANIS DR W ORANGE PARK, FL 32073 | AFLAC | $1K | — | $1K | 0.97% |
| KEGAN NICOLE GONZALEZ3 | 153 BLANDING BLVD STE 3 ORANGE PARK, FL 32073 | AFLAC | $758 | $267 | $1K | 0.93% |
| MARK A LINSNER3 | 10375 CENTURION PKWY N STE 100 JACKSONVILLE, FL 32256 | AFLAC | $829 | — | $829 | 0.75% |
| MICHAEL RAYMOND HIGGINS3 | 1003 DRAKEFEATHER DR ORANGE PARK, FL 32065 | AFLAC | $429 | — | $429 | 0.39% |
| ROGERS BENEFIT GROUP INC3 Filed as: LOIS RENEE ROGERS | 6396 WOLVERINE LN KEYSTONE HEIGHTS, FL 32656 | AFLAC | $372 | $42 | $414 | 0.37% |
| TAMMY LEVETTE CANNON3 | 5752 BISHOP HATCHER DR S JACKSONVILLE, FL 32219 | AFLAC | $177 | $92 | $269 | 0.24% |
| CHRIS GUZEWICH3 | 1007 DRAKEFEATHER DR ORANGE PARK, FL 32065 | AFLAC | $244 | — | $244 | 0.22% |
| CHARLES RICHARD OLLER3 | 2410 SOUTHERN LINKS DR FLEMING ISLAND, FL 32003 | AFLAC | $109 | $33 | $142 | 0.13% |
| MARK H VACHA3 | 6249 LEEWARD CT FLEMING ISLAND, FL 32003 | AFLAC | $77 | — | $77 | 0.07% |
| TRACI R BATTEN3 | 375 HARBOUR COVE DR APT 323 SPARKS, NV 89434 | AFLAC | $62 | — | $62 | 0.06% |
| BETH LUANNE KIMBROUGH3 | 6750 N ANDREWS AVE STE 200 FT LAUDERDALE, FL 33309 | AFLAC | $53 | — | $53 | 0.05% |
| JIMMY D BOONE3 | 5346 DOMINICA CIR SARASOTA, FL 34233 | AFLAC | $46 | — | $46 | 0.04% |
| PETER HAGER3 Filed as: PETER C HAGER | 4660 NOTTINGHAM RD JACKSONVILLE, FL 32210 | AFLAC | $44 | — | $44 | 0.04% |
| GEORGE J ANTONIADIS3 | 3771 BIGGIN CHURCH RD W JACKSONVILLE, FL 32224 | AFLAC | $36 | — | $36 | 0.03% |
| FABIO NOE MARTINEZ3 | 272401 MURRHEE RD HILLIARD, FL 32046 | AFLAC | $36 | — | $36 | 0.03% |
| TIFFNEY A HEANING3 | 3355 SARAH SPAULDING DR JACKSONVILLE, FL 32223 | AFLAC | $35 | — | $35 | 0.03% |
| TROY DANIEL DESLATTE3 | 107 SHADY PARK DR LAFAYETTE, LA 70508 | AFLAC | $30 | — | $30 | 0.03% |
| JOSEPH MICHAEL CARLASCIO3 | 1743 NORWEGIAN CT ORANGE PARK, FL 32003 | AFLAC | $26 | — | $26 | 0.02% |
| TAMARA ANN HAYGOOD3 | 3017 ANGORA BAY DR MIDDLEBURG, FL 32086 | AFLAC | $20 | — | $20 | 0.02% |
| JOEY C ADAMS3 | 317 NORTHEAST 36TH AVE SUITE 6 OCALA, FL 34470 | AFLAC | $19 | — | $19 | 0.02% |
| LINDSAY NORFLEET FICO3 | 1929 SW 247TH WAY NEWBERRY, FL 32669 | AFLAC | $18 | — | $18 | 0.02% |
| JAMES R MIRABELLI3 | 801 BRINY AVE APT 1403 POMPANO BEACH, FL 33062 | AFLAC | $16 | — | $16 | 0.01% |
| DIANA LYNN BOONE3 | 3998 CONFEDERATE POINT RD STE 103 JACKSONVILLE, FL 32210 | AFLAC | $15 | — | $15 | 0.01% |
| JIMMY LEON JOHNSON3 | 40 AVERY ST SAINT AUGUSTINE, FL 32084 | AFLAC | $12 | — | $12 | 0.01% |
| DAVID K MOBLEY3 | 3812 VALVERDE CIR JACKSONVILLE, FL 32224 | AFLAC | $10 | — | $10 | 0.01% |
| CECIL T SALMON3 | 27 RAMBLEWOOD DR PALM COAST, FL 32164 | AFLAC | $9 | — | $9 | 0.01% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 4634 GULFSTARR DR DESTIN, FL 32541 | AFLAC | $7 | — | $7 | 0.01% |
| JEFFREY M SINTAY3 | 533 OARKBROOK PKWY STE 300 STE 350 NORCROSS, GA 30093 | AFLAC | $6 | — | $6 | 0.01% |
| ROBERT P FERRONE3 | 262 AUTUMN TRAIL WAY WAVERLY HALL, GA 31831 | AFLAC | $3 | — | $3 | 0.00% |
| JIMMY LEON JOHNSON3 | 411 WALNUT ST #16846 GREEN COVE SPRINGS, FL 32043 | AFLAC | $3 | — | $3 | 0.00% |
| SHELIA R GERSTNER3 | 68 ENREDE LN SAINT AUGUSTINE, FL 32095 | AFLAC | $2 | — | $2 | 0.00% |
| MFB FINANCIAL INC3 | STE 210 1200 PLANTATION ISLAND DR ST AUGUSTINE, FL 32080 | HUMANA INSURANCE COMPANY | $4K | $2K | $6K | 29.37% |
| MFB FINANCIAL INC3 | STE 210 1200 PLANATION ISLAND DR ST AUGUSTINE, FL 32080 | COMPBENEFITS COMPANY | $1K | $679 | $2K | 22.90% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | STE 210 1200 PLANATION ISLAND DR SAINT AUGUSTINE, FL 32080 | PRE-PAID LEGAL SHIELD SERVICES INC DBA LEGALSHIELD | $27 | — | $27 | 10.59% |
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 | 270 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 270 | $30K |
| Vision | HUMANA INSURANCE COMPANY | 270 | $21K |
| Other(2 contracts, 2 carriers) | AFLAC | 389 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 389 | — |
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.