| 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 | $79K | $14K | $93K | 5.86% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DRIVE SUITE 210 ST AUGUSTINE, FL 32080 | RELIANCE STANDARD INSURANCE COMPANY | $10K | $2K | $12K | 21.17% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD INSURANCE COMPANY | — | $646 | $646 | 1.13% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DRIVE SUITE 210 ST AUGUSTINE, FL 32080 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $972 | $6K | 18.13% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $347 | $347 | 1.12% |
| HEIDI HANSEN3 | 12 FOX VALLEY DR ORANGE PARK, FL 32073 | AFLAC | $882 | — | $882 | 3.27% |
| HAUGHT FINANCIAL GRP INC3 | PO BOX 3158 PONTE VEDRA BEACH, FL 32004 | AFLAC | $240 | — | $240 | 0.89% |
| THOMAS JAMES OLLER3 | 2410 SOUTHERN LINKS DR FLEMING ISLAND DR, FL 32003 | AFLAC | $185 | — | $185 | 0.69% |
| CHRISTINE M SINTAY3 | 2645 GRASSY SPRING PL LAS VEGAS, NV 89135 | AFLAC | $176 | — | $176 | 0.65% |
| TROY DANIEL DESLATTE3 | 107 SHADY PARK DR LAFAYETTE, LA 70508 | AFLAC | $102 | — | $102 | 0.38% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL | 1200 PLANTATION ISLAND DR S STE 210 SAINT AUGUSTINE, FL 32080 | AFLAC | $94 | — | $94 | 0.35% |
| KEGAN NICOLE GONZALEZ3 | 153 BLANDING BLVD STE 3 ORANGE PARK, FL 32073 | AFLAC | $91 | — | $91 | 0.34% |
| SHADEL & ASSOCIATES LLC3 | 126 HOPKINS ST NEPTUNE BEACH, FL 32266 | AFLAC | $65 | — | $65 | 0.24% |
| JAMEY MILLER INC3 | 10375 CENTURION PKWY N STE 100 JACKSONVILLE, FL 32256 | AFLAC | $59 | — | $59 | 0.22% |
| PHILIP L GREEN3 | 3948 3RD ST S STE 175 JACKSONVILLE BEACH, FL 32250 | AFLAC | $39 | $2 | $41 | 0.15% |
| JEREMY L MILLER3 | 3065 REVELS RD GREEN COVE SPRINGS, FL 32043 | AFLAC | $39 | — | $39 | 0.14% |
| MARK A LINSNER3 | 153 BLANDING BLVD STE 3 ORANGE PARK, FL 32073 | AFLAC | $37 | — | $37 | 0.14% |
| ROBERT VICTOR WOERNER II3 | 210 16TH ST UNIT K ST AUGUSTINE, FL 32080 | AFLAC | $33 | — | $33 | 0.12% |
| KRYSTINA S EBERHART3 | 11097 PARKSIDE PRESERVE WAY JACKSONVILLE, FL 32257 | AFLAC | $33 | — | $33 | 0.12% |
| MARK A LINSNER3 | 10375 CENTURION PKWY N STE 100 JACKSONVILLE, FL 32256 | AFLAC | $30 | $2 | $32 | 0.12% |
| ROBERT VICTOR WOERNER II3 Filed as: ROBERT VICTOR WOERNER | 210 16TH ST UNIT K ST AUGUSTINE, FL 32080 | AFLAC | $31 | — | $31 | 0.12% |
| JAMEY MILLER INC3 | 2202 57TH ST SE AUBURN, WA 98092 | AFLAC | $31 | — | $31 | 0.12% |
| JIMMY D BOONE3 | 5346 DOMINICA CIR SARASOTA, FL 34233 | AFLAC | $27 | — | $27 | 0.10% |
| MARK F BAILEY3 | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | AFLAC | $26 | — | $26 | 0.10% |
| DAVID K MOBLEY3 | 3812 VALVERDE CIR JACKSONVILLE, FL 32224 | AFLAC | $20 | — | $20 | 0.07% |
| GLORIA SCHULZE3 Filed as: GLORIA SHULZE | 10139 NW 3RD PL CORAL SPRINGS, FL 33071 | AFLAC | $19 | — | $19 | 0.07% |
| EBERHART & ASSOCIATES INC3 | 11097 PARKSIDE PRESERVE WAY JACKSONVILLE, FL 32257 | AFLAC | $16 | — | $16 | 0.06% |
| JIMMY LEON JOHNSON3 | 40 AVERY ST SAINT AUGUSTINE, FL 32084 | AFLAC | $16 | — | $16 | 0.06% |
| JEFFREY M SINTAY3 | 2685 S RAINBOW BLVD STE 200 LAS VEGAS, NV 89146 | AFLAC | $13 | — | $13 | 0.05% |
| BETH LUANNE KIMBROUGH3 | 6750 N ANDREWS AVE STE 200 FT LAUDERDALE, FL 33309 | AFLAC | $12 | — | $12 | 0.04% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE RD THOMSON, GA 30824 | AFLAC | $11 | — | $11 | 0.04% |
| EUGENE VILLA3 | 1918 DERBY TRL WEST PALM BEACH, FL 33414 | AFLAC | $10 | — | $10 | 0.04% |
| CHRISTIANO AND CO INC3 | 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% |
| JIMMY LEON JOHNSON3 | 411 WALNUT ST 16846 GREEN COVE SPRINGS, FL 32043 | AFLAC | $8 | — | $8 | 0.03% |
| SLR INSURANCE SOLUTIONS INC3 Filed as: SLR INSURANCE SOLUTIONS | 1021 TORRY CT ST JOHNS, FL 32259 | AFLAC | $8 | — | $8 | 0.03% |
| ROBERT L TRAPNELL JR3 | 15 N INDIAN RIVER DR APT 705 COCOA, FL 32922 | AFLAC | $7 | — | $7 | 0.03% |
| JEFFREY R KNIGHT3 | 5411 N UNIVERSITY DR STE 204 CORAL SPRINGS, FL 33067 | AFLAC | $7 | — | $7 | 0.03% |
| PETER HAGER3 Filed as: PETER C HAGER | 4660 NOTTINGHAM RD JACKSONVILLE, FL 32210 | AFLAC | $7 | — | $7 | 0.03% |
| TRACI R BATTEN3 | 216 W MAITLAND BLVD MAITLAND, FL 32751 | AFLAC | $6 | — | $6 | 0.02% |
| JAMES ARTHUR HARBOUR3 | 1100 ALAKEA ST STE 3200 HONOLULU, HI 96813 | AFLAC | $6 | — | $6 | 0.02% |
| JAMES R MIRABELLI3 | 801 BRINY AVE APT 1403 POMPANO BEACH, FL 33062 | AFLAC | $5 | — | $5 | 0.02% |
| FREDERICK I BRAREN JR3 | 1840 SAN MARCO BLVD APT 2 JACKSONVILLE, FL 32207 | AFLAC | $5 | — | $5 | 0.02% |
| JAMES ARTHUR HARBOUR3 | 405 BARSCHALL DR COLUMBUS, GA 31904 | AFLAC | $4 | — | $4 | 0.01% |
| RND FINANCIAL ASSOCIATES INC3 | 12103 SW BAYBERRY AVE PORT ST LUCIE, FL 34987 | AFLAC | $4 | — | $4 | 0.01% |
| MARIE MICHELE HASKELL3 | PO BOX 440307 JACKSONVILLE, FL 32222 | AFLAC | $4 | — | $4 | 0.01% |
| J W GRIMES INC3 | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $3 | — | $3 | 0.01% |
| RND FINANCIAL ASSOCIATES INC3 | 605 UNIVERSE BLVD APT T816 JUNO BEACH, FL 33408 | AFLAC | $3 | — | $3 | 0.01% |
| JEFFREY M SINTAY3 | 100 GALLERIA PKWY SE STE 900 ATLANTA, GA 30339 | AFLAC | $3 | — | $3 | 0.01% |
| THE HORTON GROUP3 Filed as: R HORTON GRIFFIN JR | 116 N DAWSON ST THOMASVILLE, GA 31792 | AFLAC | $2 | — | $2 | 0.01% |
| MICHELE HASKELL3 | PO BOX 440307 JACKSONVILLE, FL 32222 | AFLAC | $2 | — | $2 | 0.01% |
| CECIL T SALMON3 | 95 EDWARD DR PALM COAST, FL 32164 | AFLAC | $2 | — | $2 | 0.01% |
| ROBERT P FERRONE3 | 262 AUTUMN TRAIL WAY WAVERLY HALL, GA 31831 | AFLAC | $2 | — | $2 | 0.01% |
| VICKI M DICKERT3 | 258 SEAVIEW AVE DAYTONA BEACH, FL 32118 | AFLAC | $1 | — | $1 | 0.00% |
| JEFFEREY R KNIGHT3 | 5411 N UNIVERSITY DR STE 204 CORAL SPRINGS, FL 33067 | AFLAC | $1 | — | $1 | 0.00% |
| VICKI M DICKERT3 | 3264 ADDISON LN TALLAHASSEE, FL 32317 | AFLAC | $1 | — | $1 | 0.00% |
| JAMES W BENCIN3 | 11 SHELDRAKE LN WEST PALM BEACH, FL 33418 | AFLAC | $1 | — | $1 | 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 | 142 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 344 | $1.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 344 | $1.6M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 344 | $1.6M |
| Life insurance | RELIANCE STANDARD INSURANCE COMPANY | 142 | $57K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 142 | $31K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD INSURANCE COMPANY | 142 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 344 | — |
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.