| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INC. | 1200 PLANTATION ISLAND DR. S. SUITE 210 ST. AUGUSTINE, FL 32080 | BLUE CROSS BLUE SHIELD OF FLORIDA | $33K | — | $33K | 6.00% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INC. | 1200 PLANTATION ISLAND DR.S SUITE 210 ST. AUGUSTINE, FL 32080 | BLUE CROSS BLUE SHIELD OF FLORIDA | $33K | — | $33K | 6.00% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INC. | 1200 PLANTATION ISLAND DR. S. SUITE 210 ST. AUGUSTINE, FL 32080 | UNITED CONCORDIA INSURANCE COMPANY | $5K | — | $5K | 9.12% |
| PETER HAGER3 | 4660 NOTTINGHAM ROAD JACKSONVILLE, FL 32210 | AFLAC | $2K | $165 | $2K | 9.32% |
| THOMAS JAMES OLLER3 | 49 SWIMMING PEN DR. MIDDLEBURG, FL 32068 | AFLAC | $394 | $4 | $398 | 1.61% |
| JULIA CHAMBERS HAGER3 | 4660 NOTTINGHAM RD JACKSONVILLE, FL 32210 | AFLAC | $363 | $0 | $363 | 1.47% |
| MARK A LINSNER3 | 153 BLANDING BLVD SUITE 3 ORANGE PARK, FL 32073 | AFLAC | $289 | $33 | $322 | 1.30% |
| THOMAS JAMES OLLER3 | 2410 SOUTHERN LINKS DR FLEMING ISLAND, FL 32003 | AFLAC | $158 | $29 | $187 | 0.76% |
| MARK A LINSNER3 | 10175 FORTUNE PARKWAY UNIT 604 JACKSONVILLE, FL 32256 | AFLAC | $175 | $0 | $175 | 0.71% |
| DAVID MARKS3 | 4021 WE HECK CT BLDG J BATON ROUGE, LA 70816 | AFLAC | $143 | $0 | $143 | 0.58% |
| MICHELE HASKELL3 | PO BOX 440307 JACKSONVILLE, FL 32222 | AFLAC | $78 | $0 | $78 | 0.32% |
| ROBERT VICTOR WOERNER II3 | 2285 MARSH HAWK LN APT 1304 FLEMING ISLAND, FL 32003 | AFLAC | $70 | $0 | $70 | 0.28% |
| TROY DANIEL DESLATTE3 | 107 SHADY PARK DR LAFAYETTE, LA 70508 | AFLAC | $53 | $0 | $53 | 0.21% |
| BETH LUANNE KIMBROUGH3 | 6750 N ANDREWS AVE SUITE 200 FT LAUDERDALE, FL 33309 | AFLAC | $30 | $0 | $30 | 0.12% |
| JIMMY D BOONE3 | 5346 DOMINICA CIRCLE SARASOTA, FL 34233 | AFLAC | $29 | $0 | $29 | 0.12% |
| DONALD MCELROY3 | 4825 CISCO DR W JACKSONVILLE, FL 32219 | AFLAC | $24 | $0 | $24 | 0.10% |
| JIMMY LEON JOHNSON3 | 28 MAGNOLIA AVE ST. AUGUSTINE, FL 32084 | AFLAC | $21 | $0 | $21 | 0.09% |
| JAMES R MIRABELLI3 | 21426 GOSIER WAY BOCA RATON, FL 33428 | AFLAC | $17 | $0 | $17 | 0.07% |
| DENNIS PITTMAN3 | 9372 COXWELL LANE JACKSONVILLE, FL 32221 | AFLAC | $17 | $0 | $17 | 0.07% |
| ROBERT VICTOR WOERNER II3 | 1548 WATERBRIDGE CT FLEMING ISLAND, FL 32003 | AFLAC | $13 | $0 | $13 | 0.05% |
| CECIL T SALMON3 | 95 EDWARD DRIVE PALM COAST, FL 32164 | AFLAC | $12 | $0 | $12 | 0.05% |
| J C ADAMS INC3 | 5631 NE 31ST TER OCALA, FL 34479 | AFLAC | $10 | $0 | $10 | 0.04% |
| JENNIFER L HOCE3 | 4116 CASTLEBAY DRIVE JACKSONVILLE, FL 32257 | AFLAC | $9 | $0 | $9 | 0.04% |
| CHRIS GUZEWICH3 | 1007 DRAKE FEATHER DR ORANGE PARK, FL 32065 | AFLAC | $9 | $0 | $9 | 0.04% |
| JEFFREY M SINTAY3 | 1972 ALCOVA RIDGE DR LAS VEGAS, NV 89135 | AFLAC | $4 | $0 | $4 | 0.02% |
| VICKI M DICKERT3 | 258 SEAVIEW AVE DAYTONA BEACH, FL 32118 | AFLAC | $4 | $0 | $4 | 0.02% |
| BRANDON C ADAMS3 | 74 CROWN COLONY RD ST. AUGUSTINE, FL 32092 | AFLAC | $4 | $0 | $4 | 0.02% |
| ROBERT P FERRONE3 | 1701 WILLIAMS CT APT 202 COLUMBUS, GA 31904 | AFLAC | $3 | $0 | $3 | 0.01% |
| TRACI R BATTEN3 | 216 MAITLAND AVE MAITLAND, FL 32701 | AFLAC | $1 | $0 | $1 | 0.00% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INC. | 1200 PLANTATION ISLAND DR. S. SUITE 210 ST. AUGUSTINE, FL 32080 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $48 | $4K | 20.24% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INC. | 1200 PLANTATION ISLAND DR. S. SUITE 210 ST. AUGUSTINE, FL 32080 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $34 | $4K | 20.18% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INC. | 1200 PLANTATION ISLAND DR. S. SUITE 210 ST. AUGUSTINE, FL 32080 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $18 | $2K | 20.17% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INC. | 1200 PLANTATION ISLAND DR. S. SUITE 210 ST. AUGUSTINE, FL 32080 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $25 | $2K | 20.24% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INC. | 1200 PLANTATION ISLAND DR. S. SUITE 210 ST. AUGUSTINE, FL 32080 | HUMANA INSURANCE COMPANY | $1K | $264 | $2K | 18.13% |
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 | 132 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 57 | $1.1M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 92 | $50K |
| Vision | HUMANA INSURANCE COMPANY | 91 | $8K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 132 | $21K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 26 | $19K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 129 | $20K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 57 | $1.1M |
| Other | AFLAC | 28 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.