| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR STE 210 ST AUGUSTINE, FL 32080 | UNITED HEALTHCARE | $87K | $8K | $95K | 5.27% |
| THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR STE 210 ST AUGUSTINE, FL 32080 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $1 | $10K | 18.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $714 | $714 | 1.34% |
| HEIDI HANSEN3 Filed as: HEIDI LYNN HANSEN | 12 FOX VALLEY DR ORANGE PARK, FL 32073 | AFLAC | $3K | $62 | $3K | 8.08% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL | 1200 PLANTATION ISLAND DR S STE 210 SAINT AUGUSTINE, FL 32080 | AFLAC | $863 | $0 | $863 | 2.63% |
| SLR INSURANCE SOLUTIONS INC3 | 179 PINE HAVEN DR ST JOHNS, FL 32259 | AFLAC | $592 | $8 | $600 | 1.83% |
| MARK A LINSNER3 | 10375 CENTURION PKWY N STE 100 JACKSONVILLE, FL 32256 | AFLAC | $442 | $12 | $454 | 1.39% |
| HAUGHT FINANCIAL GRP INC3 | PO BOX 3158 PONTE VEDRA BEACH, FL 32004 | AFLAC | $197 | $0 | $197 | 0.60% |
| THOMAS JAMES OLLER3 | 2410 SOUTHERN LINKS DR FLEMING ISLAND, FL 32203 | AFLAC | $192 | $0 | $192 | 0.59% |
| CHRISTINE M SINTAY3 | 2645 GRASSY SPRING PL LAS VEGAS, NV 89135 | AFLAC | $113 | $0 | $113 | 0.34% |
| TROY DANIEL DESLATTE3 | 107 SHADY PARK DR LAFAYETTE, LA 70508 | AFLAC | $103 | $0 | $103 | 0.31% |
| KEGAN NICOLE GONZALEZ3 | 153 BLANDING BLVD STE 3 ORANGE PARK, FL 32073 | AFLAC | $94 | $0 | $94 | 0.29% |
| EBERHART & ASSOCIATES INC3 Filed as: EBERHART & ASSOCIATES | 11097 PARKSIDE PRESERVE WAY JACKSONVILLE, FL 32257 | AFLAC | $53 | $0 | $53 | 0.16% |
| ARW BENEFITS LLC3 | 210 16TH ST UNIT K ST AUGUSTINE, FL 32080 | AFLAC | $44 | $0 | $44 | 0.13% |
| JEREMY L MILLER3 | 3065 REVELS RD GREEN COVE SPRINGS, FL 32043 | AFLAC | $42 | $0 | $42 | 0.13% |
| SHADEL & ASSOCIATES LLC3 | 126 HOPKINS ST NEPTUNE BEACH, FL 32266 | AFLAC | $34 | $0 | $34 | 0.10% |
| JAMEY MILLER INC3 | 2202 57TH ST SE AUBURN, WA 98092 | AFLAC | $34 | $0 | $34 | 0.10% |
| JIMMY D BOONE3 | 5346 DOMINICA CIR SARASOTA, FL 34233 | AFLAC | $31 | $0 | $31 | 0.09% |
| MARK F BAILEY3 | 1200 PLANTATION ISLAND DR STE 210 ST AUGUSTINE, FL 32080 | AFLAC | $28 | $0 | $28 | 0.09% |
| JIMMY LEON JOHNSON3 | 40 AVERY ST SAINT AUGUSTINE, FL 32084 | AFLAC | $25 | $0 | $25 | 0.08% |
| GLORIA SCHULZE3 | 10139 NW 3RD PL CORAL SPRINGS, FL 33071 | AFLAC | $21 | $0 | $21 | 0.06% |
| DAVID K MOBLEY3 | 3812 VALVERDE CIR JACKSONVILLE, FL 32224 | AFLAC | $21 | $0 | $21 | 0.06% |
| PHILIP L GREEN3 | 3948 3RD ST S STE 175 JACKSONVILLE BEACH, FL 32250 | AFLAC | $15 | $5 | $20 | 0.06% |
| ROBERT VICTOR WOERNER II3 Filed as: ROBERT VICTOR WOERNER | 210 16TH ST UNIT K ST AUGUSTINE, FL 32080 | AFLAC | $19 | $0 | $19 | 0.06% |
| BETH LUANNE KIMBROUGH3 | 6750 N ANDREWS AVE STE 200 FT LAUDERDALE, FL 33309 | AFLAC | $13 | $0 | $13 | 0.04% |
| EUGENE VILLA3 | 1918 DERBY TRL WEST PALM BEACH, FL 33414 | AFLAC | $11 | $0 | $11 | 0.03% |
| JEFFERY M SINTAY3 | 5300 OAKBROOK PKWY STE 300 STE 350 NORCROSS, GA 30093 | AFLAC | $11 | $0 | $11 | 0.03% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINES RD THOMSON, GA 30824 | AFLAC | $11 | $0 | $11 | 0.03% |
| THOMPSON AND THOMPSON FINANCIAL INC3 | 17036 FOX TRAIL LN LOXAHATCHEE, FL 33470 | AFLAC | $10 | $0 | $10 | 0.03% |
| JEFFREY R KNIGHT3 | 5411 N UNIVERSITY DR STE 204 CORAL SPRINGS, FL 33067 | AFLAC | $9 | $0 | $9 | 0.03% |
| JAMES ARTHUR HARBOUR3 | 405 BARSCHALL DR COLUMBUS, GA 31904 | AFLAC | $8 | $0 | $8 | 0.02% |
| ROBERT L TRAPNELL JR3 | 15 N INDIAN RIVER DR APT 705 COCOA, FL 32922 | AFLAC | $7 | $0 | $7 | 0.02% |
| RND FINANCIAL ASSOCIATES INC3 | 605 UNIVERSE BLVD APT T816 JUNO BEACH, FL 33408 | AFLAC | $7 | $0 | $7 | 0.02% |
| ANDREW J CHRISTIANO3 | 17830 BRIAN WAY JUPITER, FL 33478 | AFLAC | $6 | $0 | $6 | 0.02% |
| JEFFREY M SINTAY3 | 100 GALLERIA PKWY SE STE 900 ATLANTA, GA 30339 | AFLAC | $5 | $0 | $5 | 0.02% |
| JAMES R MIRABELLI3 | 801 BRINY AVE APT 1403 POMPANO BEACH, FL 33062 | AFLAC | $5 | $0 | $5 | 0.02% |
| PETER HAGER3 Filed as: PETER C HAGER | 4660 NOTTINGHAM RD JACKSONVILLE, FL 32210 | AFLAC | $5 | $0 | $5 | 0.02% |
| MARIE MICHELE HASKELL3 | 5023 EAGLE POINT DR JACKSONVILLE, FL 32244 | AFLAC | $5 | $0 | $5 | 0.02% |
| J W GRIMES INC3 | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $4 | $0 | $4 | 0.01% |
| TRACI R BATTEN3 | 375 HARBOUR COVE DR APT 323 SPARKS, NV 89434 | AFLAC | $4 | $0 | $4 | 0.01% |
| CHRISTIANO AND CO INC3 | 17830 BRIAN WAY JUPITER, FL 33478 | AFLAC | $4 | $0 | $4 | 0.01% |
| SLR INSURANCE SOLUTIONS INC3 Filed as: SLR INSURANCE SOLUTIONS | 1021 TORRY CT ST JOHNS, FL 32259 | AFLAC | $4 | $0 | $4 | 0.01% |
| FREDERICK I BRAREN JR3 | 1840 SAN MARCO BLVD APT 2 JACKSONVILLE, FL 32207 | AFLAC | $4 | $0 | $4 | 0.01% |
| ROBERT G FAJANS3 | 2025 PALMETTO POINT DR PONTE VEDRA BEACH, FL 32082 | AFLAC | $4 | $0 | $4 | 0.01% |
| SERGIO I GARCIA3 | 8876 A C SKINNER PKWY UNIT 1201 JACKSONVILLE, FL 32256 | AFLAC | $3 | $0 | $3 | 0.01% |
| ROBERT P FERRONE3 | 262 AUTUMN TRAIL WAY WAVERLY HALL, GA 31831 | AFLAC | $2 | $0 | $2 | 0.01% |
| VICKI M DICKERT3 | 103 LAUGHING GULL LN CARRABELLE, FL 32322 | AFLAC | $2 | $0 | $2 | 0.01% |
| THE HORTON GROUP3 Filed as: R HORTON GRIFFIN JR | 116 N DAWSON ST THOMASVILLE, GA 31792 | AFLAC | $2 | $0 | $2 | 0.01% |
| TRACI R BATTEN3 | 3150 PERIMETER PKWY STE 115 AUGUSTA, GA 30909 | AFLAC | $1 | $0 | $1 | 0.00% |
| VICKI M DICKERT3 | 3264 ADDISON LN TALLAHASSEE, FL 32317 | AFLAC | $1 | $0 | $1 | 0.00% |
| JAMES W BENCIN3 | 11 SHELDRAKE LN WEST PALM BEACH, FL 33418 | AFLAC | $1 | $0 | $1 | 0.00% |
| CECIL T SALMON3 | 27 RAMBLEWOOD DR PALM COAST, FL 32164 | AFLAC | $1 | $0 | $1 | 0.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, FL 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $714 | $714 | 2.27% |
| THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR STE 210 ST AUGUSTINE, FL 32080 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2 | $388 | $390 | 1.24% |
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 | 153 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE | 330 | $1.8M |
| Dental | UNITED HEALTHCARE | 330 | $1.8M |
| Vision | UNITED HEALTHCARE | 330 | $1.8M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 153 | $53K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 153 | $31K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 153 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 330 | — |
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.