| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS JAMES OLLER3 | 2410 SOUTHERN LINKS DR FLEMING ISLAND, FL 32003 | AFLAC | $48K | $1K | $49K | 12.01% |
| EMILY E HUNT3 | 153 BLANDING BLVD ORANGE PARK, FL 32073 | AFLAC | $15K | $91 | $15K | 3.69% |
| ROGERS BENEFIT GROUP INC3 Filed as: MICHAEL W ROGERS | 7166 GAS LINE RD KEYSTONE HEIGHTS, FL 32656 | AFLAC | $8K | $726 | $9K | 2.12% |
| ROGERS BENEFIT GROUP INC3 Filed as: LOIS RENEE ROGERS | 6396 WOLVERINE LN KEYSTONE HEIGHTS, FL 32656 | AFLAC | $8K | $228 | $8K | 1.92% |
| SHADEL & ASSOCIATES LLC3 | 3100 BLUFF LN HILLSBOROUGH, NC 27278 | AFLAC | $7K | $330 | $8K | 1.88% |
| NORTH FLA AGENCY, LLC3 | 10095 BEACH BLVD STE 400 JACKSONVILLE, FL 32246 | AFLAC | $2K | — | $2K | 0.52% |
| MARK A LINSNER3 | 10375 CENTURION PKWY N STE 100 JACKSONVILLE, FL 32256 | AFLAC | $2K | — | $2K | 0.51% |
| KEGAN NICOLE GONZALEZ3 | 153 BLANDING BLVD STE 3 ORANGE PARK, FL 32073 | AFLAC | $2K | $267 | $2K | 0.45% |
| VELOCITY BENEFITS3 | 113 SILKY SULLIVAN WAY CANTON, GA 30115 | AFLAC | $1K | — | $1K | 0.28% |
| MICHAEL RAYMOND HIGGINS3 | 1003 DRAKEFEATHER DR ORANGE PARK, FL 32065 | AFLAC | $1K | — | $1K | 0.27% |
| MARK H VACHA3 | 6249 LEEWARD CT FLEMING ISLAND, FL 32003 | AFLAC | $644 | $1 | $645 | 0.16% |
| CHRIS GUZEWICH3 | 1007 DRAKEFEATHER DR ORANGE PARK, FL 32065 | AFLAC | $634 | — | $634 | 0.16% |
| WHITNEY L MILLWOOD3 | 153 BLANDING BLVD STE 3 ORANGE PARK, FL 32073 | AFLAC | $415 | — | $415 | 0.10% |
| CARL JOHN DAVIS3 | 3510 MCMILLAN AVE JACKSONVILLE, FL 32208 | AFLAC | $294 | — | $294 | 0.07% |
| TAMMY LEVETTE CANNON3 | 5752 BISHOP HATCHER DR S JACKSONVILLE, FL 32219 | AFLAC | $177 | $31 | $208 | 0.05% |
| TRACI R BATTEN3 | 375 HARBOUR COVE DR APT 323 SPARKS, NV 89434 | AFLAC | $159 | — | $159 | 0.04% |
| CHARLES RICHARD OLLER3 | 2410 SOUTHERN LINKS DR FLEMING ISLAND, FL 32003 | AFLAC | $109 | $33 | $142 | 0.03% |
| BETH LUANNE KIMBROUGH3 | 6750 N ANDREWS AVE STE 200 FT LAUDERDALE, FL 33309 | AFLAC | $138 | — | $138 | 0.03% |
| JIMMY D BOONE3 | 12626 BAYPOINTE TER CORTEZ, FL 34215 | AFLAC | $119 | — | $119 | 0.03% |
| PETER HAGER3 Filed as: PETER C HAGER | 4660 NOTTINGHAM RD JACKSONVILLE, FL 32210 | AFLAC | $115 | — | $115 | 0.03% |
| GEORGE J ANTONIADIS3 | 3771 BIGGIN CHURCH RD W JACKSONVILLE, FL 32224 | AFLAC | $93 | — | $93 | 0.02% |
| JOSEPH MICHAEL CARLASCIO3 | 1743 NORWEGIAN CT ORANGE PARK, FL 32003 | AFLAC | $79 | — | $79 | 0.02% |
| TROY DANIEL DESLATTE3 | 107 SHADY PARK DR LAFAYETTE, LA 70508 | AFLAC | $77 | — | $77 | 0.02% |
| TAMARA ANN HAYGOOD3 | 3017 ANGORA BAY DR MIDDLEBURG, FL 32068 | AFLAC | $51 | — | $51 | 0.01% |
| JOEY C ADAMS3 | 317 NORTHEAST 36TH AVE SUITE 6 OCALA, FL 34470 | AFLAC | $49 | — | $49 | 0.01% |
| JAMES R MIRABELLI3 | 3683 W LAKE ESTATES DR DAVIE, FL 33328 | AFLAC | $42 | — | $42 | 0.01% |
| DIANA LYNN BOONE3 | 3998 CONFEDERATE POINT RD STE 103 JACKSONVILLE, FL 32210 | AFLAC | $39 | — | $39 | 0.01% |
| FABIO NOE MARTINEZ3 | 272401 MURRHEE RD HILLIARD, FL 32046 | AFLAC | $36 | — | $36 | 0.01% |
| TIFFNEY A HEANING3 | 3355 SARAH SPAULDING DR JACKSONVILLE, FL 32223 | AFLAC | $35 | — | $35 | 0.01% |
| JIMMY LEON JOHNSON3 | 411 WALNUT ST # 16846 GREEN COVE SPRINGS, FL 32043 | AFLAC | $26 | — | $26 | 0.01% |
| DAVID K MOBLEY3 | 3812 VALVERDE CIR JACKSONVILLE, FL 32224 | AFLAC | $25 | — | $25 | 0.01% |
| CECIL T SALMON3 | 27 RAMBLEWOOD DR PALM COAST, FL 32164 | AFLAC | $23 | — | $23 | 0.01% |
| LINDSAY NORFLEET FICO3 | 1929 SW 247TH WAY NEWBERRY, FL 32669 | AFLAC | $22 | — | $22 | 0.01% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 4634 GULFSTARR DR DESTIN, FL 32541 | AFLAC | $19 | — | $19 | 0.00% |
| JEFFREY M SINTAY3 | 5300 OAKBROOK PKWY STE 300 STE 350 NORCROSS, GA 30093 | AFLAC | $15 | — | $15 | 0.00% |
| JIMMY LEON JOHNSON3 | 40 AVERY ST SAINT AUGUSTINE, FL 32084 | AFLAC | $12 | — | $12 | 0.00% |
| ROBERT P FERRONE3 | 262 AUTUMN TRAIL WAY WAVERLY HALL, GA 31831 | AFLAC | $7 | — | $7 | 0.00% |
| SHELIA R GERSTNER3 | 68 ENREDE LN SAINT AUGUSTINE, FL 32095 | AFLAC | $4 | — | $4 | 0.00% |
| JAMES (JAY) GRIMES3 Filed as: JAMES R HARRIS | 6329 RIVERMONT CT COLUMBUS, GA 31904 | AFLAC | $2 | — | $2 | 0.00% |
| VERA I CRUICE3 | 11445 DRAKEWOOD CT JACKSONVILLE, FL 32223 | AFLAC | $1 | — | $1 | 0.00% |
| SANDRA MANTIONE3 Filed as: SANDRA J MANTIONE | 5595 CAMPO DR KEYSTONE HEIGHTS, FL 32656 | AFLAC | $1 | — | $1 | 0.00% |
| VICKI M DICKERT3 | 103 LAUGHING GULL LN CARRABELLE, FL 32322 | AFLAC | $1 | — | $1 | 0.00% |
| MARIE MICHELE HASKELL3 | PO BOX 440307 JACKSONVILLE, FL 32222 | AFLAC | $1 | — | $1 | 0.00% |
| MFB FINANCIAL INC3 | STE 210 1200 PLANTATION ISLAND DR ST AUGUSTINE, FL 32080 | HUMANA INSURANCE COMPANY | $14K | $3K | $16K | 16.05% |
| MFB FINANCIAL INC3 | STE 210 1200 PLANTATION ISLAND DR ST AUGUSTINE, FL 32080 | COMPBENEFITS COMPANY | $3K | $492 | $4K | 17.33% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 SAINT AUGUSTINE, FL 32080 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| MFB FINANCIAL INC4 Filed as: MFB FINANCIAL BDA THE BAILEY GROUP | STE 210 1200 PLANTATION ISLAND DR ST AUGUSTINE, FL 32080 | PRE-PAID LEGAL SHIELD SERVICES INC DBA LEGAL SHIELD | $28 | — | $28 | 5.02% |
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 | 529 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 531 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 271 | $122K |
| Vision | HUMANA INSURANCE COMPANY | 271 | $101K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 516 | $16K |
| Other(3 contracts, 3 carriers) | AFLAC | 516 | $424K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 516 | — |
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.