| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 SAINT AUGUSTINE, FL 320803115 | UNITEDHEALTHCARE INSURANCE COMPANY | $64K | — | $64K | 5.00% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DRIVE SUITE 210 ST AUGUSTINE, FL 32080 | UNION SECURITY INSURANCE COMPANY | $5K | $1K | $6K | 10.32% |
| THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DRIVE SUITE 210 ST. AUGUSTINE, FL 32080 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 18.00% |
| THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DRIVE SUITE 210 ST. AUGUSTINE, FL 32080 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| HEIDI HANSEN3 | 12 FOX VALLEY DRIVE ORANGE PARK, FL 32073 | AFLAC | $631 | $37 | $668 | 3.33% |
| HAUGHT FINANCIAL GRP INC3 | PO BOX 3158 PONTE VEDRA, FL 32004 | AFLAC | $187 | — | $187 | 0.93% |
| THOMAS JAMES OLLER3 | 2410 SOUTHERN LINKS DR FLEMING ISLAND DRIVE, FL 32003 | AFLAC | $140 | — | $140 | 0.70% |
| CHRISTINE M SINTAY3 | 2645 GRASSY SPRING PL LAS VEGAS, NV 89135 | AFLAC | $132 | — | $132 | 0.66% |
| TROY DANIEL DESLATTE3 | 107 SHADY PARK DR LAFAYETTE, LA 70508 | AFLAC | $77 | — | $77 | 0.38% |
| JAMES MILLER3 Filed as: JAMES MILLER INC | 10375 CENTURION PKWY N SUITE 100 JACKSONVILLE, FL 32256 | AFLAC | $75 | — | $75 | 0.37% |
| KEGAN NICOLE GONZALEZ3 | 49 SWIMMING PEN DR MIDDLEBURG, FL 32068 | AFLAC | $62 | — | $62 | 0.31% |
| MARK F BAILEY3 | 1200 PANTATION ISLAND DRIVE S SUITE 210 ST AUGUSTINE, FL 32080 | AFLAC | $60 | — | $60 | 0.30% |
| SHADEL & ASSOCIATES LLC3 | 4811 BEACH BLVD SUITE 107 JACKSONVILLE, FL 32207 | AFLAC | $50 | — | $50 | 0.25% |
| MARK A LINSNER3 | 153 BLANDING BLVD SUITE 3 ORANGE PARK, FL 32073 | AFLAC | $41 | $7 | $48 | 0.24% |
| ROBERT VICTOR WOERNER II3 | 210 16TH ST UNIT K ST AUGUSTINE, FL 32080 | AFLAC | $44 | — | $44 | 0.22% |
| BANYASH & ASSOCIATES INC3 | 11097 PARKSIDE PRESERVE WAY JACKSONVILLE, FL 32257 | AFLAC | $30 | — | $30 | 0.15% |
| JEREMY L MILLER3 | 3065 REVELS ROAD GREEN COVE SPRINGS, FL 32043 | AFLAC | $29 | — | $29 | 0.14% |
| KRYSTINA S EBERHART3 | 11097 PARKSIDE PRESERVE WAY JACKSONVILLE, FL 32257 | AFLAC | $21 | $7 | $28 | 0.14% |
| JIMMY D BOONE3 | 5346 DOMINICA CIR SARASOTA, FL 34233 | AFLAC | $22 | — | $22 | 0.11% |
| JIMMY LEON JOHNSON3 | 1005 BELLA VISTA BLVD APT 119 ST AUGUSTINE, FL 32084 | AFLAC | $18 | — | $18 | 0.09% |
| DAVID K MOBLEY3 | 3812 VALVERDE CIR JACKSONVILLE, FL 32224 | AFLAC | $15 | — | $15 | 0.07% |
| GLORIA SCHULZE3 | 10139 NW 3RD PL CORAL SPRINGS, FL 33071 | AFLAC | $13 | — | $13 | 0.06% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL | 1200 PLANTATION ISLAND DR S STE 210 SAINT AUGUSTINE, FL 32080 | AFLAC | $10 | — | $10 | 0.05% |
| BETH LUANNE KIMBROUGH3 | 6750 N ANDREWS AVE STE 200 FT LAUDERDALE, FL 33309 | AFLAC | $9 | — | $9 | 0.04% |
| JEFFREY M SINTAY3 | 1972 ALCOVA RDIGE DR LAS VEGAS, NV 89135 | AFLAC | $9 | — | $9 | 0.04% |
| KEGAN NICOLE GONZALEZ3 | 153 BLANDING BLVD STE 3 ORANGE PARK, FL 32073 | AFLAC | $8 | — | $8 | 0.04% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE RD THOMSON, GA 30824 | AFLAC | $8 | — | $8 | 0.04% |
| THOMPSON AND THOMPSON FINANCIAL INC3 | 17036 FOX TRAIL LN LOXAHATCHEE, FL 33470 | AFLAC | $7 | — | $7 | 0.03% |
| CHRISTIANO AND CO INC3 | 17830 BRIAN WAY JUPITER, FL 33478 | AFLAC | $7 | — | $7 | 0.03% |
| JAMES ARTHUR HARBOUR3 | 1100 ALAKEA ST STE 3200 HONOLULU, HI 96813 | AFLAC | $7 | — | $7 | 0.03% |
| EUGENE VILLA3 | 1918 DERBY TRL WEST PALM BEACH, FL 33414 | AFLAC | $7 | — | $7 | 0.03% |
| ROBERT VICTOR WOERNER II3 | 2285 MARSH HAWK LN APT 1304 FLEMING ISLAND, FL 32003 | AFLAC | $6 | — | $6 | 0.03% |
| JEFFERY R KNIGHT3 | 5411 N UNIVERSITY DRIVE STE 204 CORAL SPRINGS, FL 33067 | AFLAC | $6 | — | $6 | 0.03% |
| SHADEL & ASSOCIATES LLC3 | 126 HOPKINS ST NEPTUNE BEACH, FL 32266 | AFLAC | $6 | — | $6 | 0.03% |
| TRACI R BATTEN3 | 216 W MAITLAND BLVD MAITLAND, FL 32751 | AFLAC | $5 | — | $5 | 0.02% |
| PETER HAGER3 | 4660 NOTTINGHAM RD JACKSONVILLE, FL 32210 | AFLAC | $5 | — | $5 | 0.02% |
| RND FINANCIAL ASSOCIATES INC3 | 12103 SW BAYBERRY AVE PORT ST LUCIE, FL 34987 | AFLAC | $5 | — | $5 | 0.02% |
| ROBERT L TRAPNELL JR3 | 15 N INDIAN RIVER DR APT 705 COCOA, FL 32922 | AFLAC | $5 | — | $5 | 0.02% |
| FREDERICK I BRAREN JR3 | 1840 SAN MARCO BLVD APT 2 JACKSONVILLE, FL 32207 | AFLAC | $4 | — | $4 | 0.02% |
| JAMES R MIRABELLI3 | 801 BRINY AVE APT 1403 POMPANO BEACH, FL 33062 | AFLAC | $4 | — | $4 | 0.02% |
| MICHELE HASKELL3 | PO BOX 440307 JACKSONVILLE, FL 32222 | AFLAC | $4 | — | $4 | 0.02% |
| PHILIP L GREEN3 | 3948 S THIRD STREET SUITE 175 JACKSONVILLE BEACH, FL 32250 | AFLAC | $4 | — | $4 | 0.02% |
| JEFFREY M SINTAY3 | 2685 S RAINBOW BLVD SUITE 200 LAS VEGAS, NV 89146 | AFLAC | $3 | — | $3 | 0.01% |
| ROBERT G FAJANS3 | 2025 PALMETTO POINT DRIVE PONTE VEDRA BEACH, FL 32082 | AFLAC | $3 | — | $3 | 0.01% |
| PHILIP L GREEN3 | 3948 3RD ST S STE 175 JACKSONVILLE BEACH, FL 32250 | AFLAC | $3 | — | $3 | 0.01% |
| GLORIA SCHULZE3 | 10139 NW 3RD PLACE CORAL SPRINGS, FL 33071 | AFLAC | $2 | — | $2 | 0.01% |
| VICKI M DICKERT3 | 258 SEAVIEW AVE DAYTONA BEACH, FL 32118 | AFLAC | $2 | — | $2 | 0.01% |
| J W GRIMES INC3 | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $2 | — | $2 | 0.01% |
| MARK C LEE3 | 1444 S 17TH ST WILMINGTON, NC 28401 | AFLAC | $1 | — | $1 | 0.00% |
| JAMES W BENCIN3 | 11 SHELDRAKE LANE WEST PALM BEACH, FL 33418 | AFLAC | $1 | — | $1 | 0.00% |
| ROBERT P FERRONE3 | 1701 WILLIAMS CT APT 202 COLUMBUS, GA 31904 | AFLAC | $1 | — | $1 | 0.00% |
| CECIL T SALMON3 Filed as: CECIL T SLAMON | 95 EDWARD DR PALM COAST, FL 32164 | AFLAC | $1 | — | $1 | 0.00% |
| THE HORTON GROUP3 Filed as: R HORTON GRIFFIN JR | 116 N DAWSON ST THOMASVILLE, GA 31792 | AFLAC | $1 | — | $1 | 0.00% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR STE 210 ST AUGUSTINE, FL 32080 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 10.00% |
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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 89 | $1.3M |
| Dental | UNION SECURITY INSURANCE COMPANY | 118 | $57K |
| Vision | HUMANA INSURANCE COMPANY | 106 | $11K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 119 | $52K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 115 | $28K |
| Other | AFLAC | 34 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.