| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | UNITED HEALTHCARE INSURANCE COMPANY | $91K | $4K | $94K | 4.59% |
| THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | — | $11K | 18.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $680 | $680 | 1.15% |
| THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR STE 210 ST AUGUSTINE, FL 32080 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, FL 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $490 | $490 | 1.23% |
| HEIDI HANSEN3 Filed as: HEIDI LYNN HANSEN | 12 FOX VALLEY DR ORANGE PARK, FL 32073 | AFLAC | $2K | $133 | $2K | 6.51% |
| SLR INSURANCE SOLUTIONS INC3 | 179 PINE HAVEN DR ST JOHNS, FL 32259 | AFLAC | $689 | $29 | $718 | 2.07% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | AFLAC | $669 | — | $669 | 1.92% |
| WHITNEY L MILLWOOD3 | 3654 OGLEBAY DR GREEN COVE SPRINGS, FL 32043 | AFLAC | $326 | $29 | $355 | 1.02% |
| HAUGHT FINANCIAL GRP INC3 | 125 CLEARLAKE DR PONTE VEDRA BEACH, FL 32082 | AFLAC | $176 | — | $176 | 0.51% |
| THOMAS JAMES OLLER3 | 2410 SOUTHERN LINKS DR FLEMING ISLAND, FL 32003 | AFLAC | $172 | — | $172 | 0.49% |
| EBERHART & ASSOCIATES INC3 | 9170 RIDGEFIELD DR BRIGHTON, MI 48114 | AFLAC | $110 | — | $110 | 0.32% |
| TROY DANIEL DESLATTE3 | 107 SHADY PARK DR LAFAYETTE, LA 70508 | AFLAC | $92 | — | $92 | 0.26% |
| KEGAN NICOLE GONZALEZ3 | 153 BLANDING BLVD STE 3 ORANGE PARK, FL 32073 | AFLAC | $72 | — | $72 | 0.21% |
| MARK A LINSNER3 | 1712 AUSTIN LN ST. AUGUSTINE, FL 32092 | AFLAC | $72 | — | $72 | 0.21% |
| ROBERT VICTOR WOERNER II3 Filed as: ROBERT VICTOR WOERNER | 5321 SHORE DR. ST. AUGUSTINE, FL 32086 | AFLAC | $70 | — | $70 | 0.20% |
| SERGIO I GARCIA3 | 8001 NW 41ST ST APT 310 DORAL, FL 33166 | AFLAC | $68 | — | $68 | 0.20% |
| JEREMY L MILLER3 Filed as: JEREMY MILLER | 3065 REVELS RD GREEN COVE SPRINGS, FL 32043 | AFLAC | $39 | — | $39 | 0.11% |
| JIMMY D BOONE3 | 12626 BAYPOINTE TER CORTEZ, FL 34215 | AFLAC | $29 | — | $29 | 0.08% |
| JAMEY MILLER INC3 | 12942 193RD AVE E BONNEY LAKE, WA 98391 | AFLAC | $26 | — | $26 | 0.07% |
| JIMMY LEON JOHNSON3 | 411 WALNUT ST #16846 GREEN COVE SPRINGS, FL 32043 | AFLAC | $22 | — | $22 | 0.06% |
| GLORIA SCHULZE3 | 2862 PALMER DR SIERRA VISTA, AZ 85650 | AFLAC | $19 | — | $19 | 0.05% |
| MARK F BAILEY3 | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | AFLAC | $18 | — | $18 | 0.05% |
| SHADEL & ASSOCIATES LLC3 | 3100 BLUFF LN HILLSBOROUGH, NC 27278 | AFLAC | $17 | — | $17 | 0.05% |
| DAVID K MOBLEY3 | 3812 VALVERDE CIR JACKSONVILLE, FL 32224 | AFLAC | $16 | — | $16 | 0.05% |
| BETH LUANNE KIMBROUGH3 | 6750 N ANDREWS AVE STE 200 FT LAUDERDALE, FL 33309 | AFLAC | $12 | — | $12 | 0.03% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE RD THOMSON, GA 30824 | AFLAC | $11 | — | $11 | 0.03% |
| EUGENE VILLA3 | 1918 DERBY TRL WEST PALM BEACH, FL 33414 | AFLAC | $10 | — | $10 | 0.03% |
| ANDREW J CHRISTIANO3 | 17830 BRIAN WAY JUPITER, FL 33478 | AFLAC | $9 | — | $9 | 0.03% |
| THOMPSON AND THOMPSON FINANCIAL INC3 | 17036 FOX TRAIL LN LOXAHATCHEE, FL 33470 | AFLAC | $9 | — | $9 | 0.03% |
| JEFFREY M SINTAY3 | 680 BLACKWELL BND ALPHARETTA, GA 30004 | AFLAC | $8 | — | $8 | 0.02% |
| JEFFREY R KNIGHT3 | 5411 N UNIVERSITY DR STE 204 CORAL SPRINGS, FL 33067 | AFLAC | $8 | — | $8 | 0.02% |
| ROBERT M GLASS CORP3 Filed as: ROBERT N DIAZ | 1205 HILLSBORO MILE #203 HILLSBORO BEACH, FL 33062 | AFLAC | $7 | — | $7 | 0.02% |
| MICHAEL S WITHROW3 Filed as: MICHAEL S. WITHROW | 1396 BARRINGTON CIR ST. AUGUSTINE, FL 32092 | AFLAC | $5 | — | $5 | 0.01% |
| ROBERT L TRAPNELL JR3 | 1656 GRAND ISLE BLVD MELBOURNE, FL 32940 | AFLAC | $5 | — | $5 | 0.01% |
| MARIE MICHELE HASKELL3 Filed as: MARIE MICHELLE HASKELL | PO BOX 440307 JACKSONVILLE, FL 32222 | AFLAC | $4 | — | $4 | 0.01% |
| ROBERT G FAJANS3 Filed as: ROBERT G. FAJANS | 2025 PALMETTO POINT DR. PONTE VEDRA BEACH, FL 32082 | AFLAC | $4 | — | $4 | 0.01% |
| J W GRIMES INC3 | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $3 | — | $3 | 0.01% |
| DICKERT INSURANCE SERVICES LLC3 | 103 LAUGHING GULL LN CARRABELLE, FL 32322 | AFLAC | $2 | — | $2 | 0.01% |
| ROBERT P FERRONE3 | 333 EASTSIDE DR. APT 704 FORTSON, GA 31808 | AFLAC | $2 | — | $2 | 0.01% |
| THE HORTON GROUP3 Filed as: R HORTON GRIFFIN JR | 610 BLACKSHEAR ST THOMASVILLE, GA 31792 | AFLAC | $2 | — | $2 | 0.01% |
| DOUGLAS WILLIAM MOORE3 | 5777 FARNSWORTH DR. TALLAHASSEE, FL 32312 | AFLAC | $2 | — | $2 | 0.01% |
| JAMES R MIRABELLI3 | 3683 W. LAKE ESTATES DR DAVIE, FL 33328 | AFLAC | $1 | — | $1 | 0.00% |
| JAMES W BENCIN3 | 11 SHELDRAKE LN WEST PALM BEACH, FL 33418 | AFLAC | $1 | — | $1 | 0.00% |
| THE PERRY GROUP INC3 | 1650 SAND LAKE RD. STE 201D ORLANDO, FL 32809 | AFLAC | $1 | — | $1 | 0.00% |
| MARK C LEE3 | 8229 FRANK HOUSER AVE COLUMBUS, GA 31919 | AFLAC | $0 | — | $0 | 0.00% |
| OMER S BASS IV3 | 565 W GATEWAY CT MERRITT ISLAND, FL 32952 | AFLAC | $0 | — | $0 | 0.00% |
| DOUGLAS J SUCHECKI3 Filed as: DOUGLAS J. SUCHECKI | 21 HEARTWOOD DR. CATAULA, GA 31804 | AFLAC | $0 | — | $0 | 0.00% |
| VICKI M DICKERT3 Filed as: VICKI M. DICKERT | 103 LAUGHING GULL LN CARRABELLE, FL 32322 | AFLAC | $0 | — | $0 | 0.00% |
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 | 151 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 319 | $2.1M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 319 | $2.1M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 319 | $2.1M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 151 | $59K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 151 | $40K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 151 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 319 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.