| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INC. DBA THE BAILEY G | 1200 PLANTATION ISLAND DR. S. SUITE 210 ST. AUGUSTINE, FL 32080 | HEALTH OPTIONS | $37K | — | $37K | 6.00% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INC. DBA THE BAILEY G | 1200 PLANTATION ISLAND DR. S. SUITE 210 ST. AUGUSTINE, FL 32080 | BLUE CROSS BLUE SHIELD OF FLORIDA | $35K | — | $35K | 6.00% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INC. DBA THE BAILEY G | 1200 PLANTATION ISLAND DR. S. SUITE 210 ST. AUGUSTINE, FL 32080 | FLORIDA COMBINED LIFE | $7K | — | $7K | 13.77% |
| FLORIDA BLUE3 Filed as: MARION SCOTT | 4800 DEERWOOD CAMPUS PKWY DC2 2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $505 | — | $505 | 0.96% |
| CHARLES METZKES3 | 4800 DEERWOOD CAMPUS PKWY DC2 2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $316 | — | $316 | 0.60% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INC. DBA THE BAILEY G | 1200 PLANTATION ISLAND DR. S. SUITE 210 ST. AUGUSTINE, FL 32080 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $571 | $7K | 21.88% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INC. DBA THE BAILEY G | 1200 PLANTATION ISLAND DR. S. SUITE 210 ST. AUGUSTINE, FL 32080 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $614 | $5K | 22.67% |
| PETER HAGER3 | 4660 NOTTINGHAM RD JACKSONVILLE, FL 32210 | AFLAC | $668 | $5 | $673 | 3.79% |
| JULIA CHAMBERS HAGER3 | 4660 NOTTINGHAM RD. JACKSONVILLE, FL 32210 | AFLAC | $337 | $20 | $357 | 2.01% |
| MARK LINSER3 | 153 BLANDING BLVD SUITE 3 ORANGE PARK, FL 32073 | AFLAC | $231 | $5 | $236 | 1.33% |
| THOMAS JAMES OLLER3 | 2410 SOUTHERN LINKS DR FLEMING ISLAND, FL 32003 | AFLAC | $221 | $5 | $226 | 1.27% |
| DAVID MARKS3 | 4021 WE HECK CT SUITE J BATON ROUGE, LA 70816 | AFLAC | $81 | — | $81 | 0.46% |
| ROBERT VICTOR WOERNER II3 | 210 16TH STREET UNIT K ST. AUGUSTINE, FL 32080 | AFLAC | $58 | — | $58 | 0.33% |
| MICHELE HASKELL3 | PO BOX 440307 JACKSONVILLE, FL 32222 | AFLAC | $36 | — | $36 | 0.20% |
| TROY DANIEL DESLATTE3 | 107 SHADY PARK DR LAFAYETTE, LA 70508 | AFLAC | $33 | — | $33 | 0.19% |
| DONALD MCELROY3 | 4825 CISCO DR W JACKSONVILLE, FL 32219 | AFLAC | $24 | — | $24 | 0.14% |
| DAVID MARKS3 | 4021 WE HECK CT BUILDING J BATON ROUGE, LA 70816 | AFLAC | $21 | — | $21 | 0.12% |
| BETH LUANNE KIMBROUGH3 | 6750 N ANDREWS AVE STE 200 FT LAUDERDALE, FL 33309 | AFLAC | $20 | — | $20 | 0.11% |
| DENNIS PITTMAN3 | 9372 COXWELL LANE JACKSONVILLE, FL 32221 | AFLAC | $15 | — | $15 | 0.08% |
| JAMES R MIRABELLI3 Filed as: JAMES MIRABELLI | 801 BRINY AVE APT 1403 POMPANO BEACH, FL 33062 | AFLAC | $13 | — | $13 | 0.07% |
| JIMMY LEON JOHNSON3 | 40 AVERY ST SAINT AUGUSTINE, FL 32084 | AFLAC | $13 | — | $13 | 0.07% |
| CECIL T SALMON3 | 95 EDWARD DR PALM COAST, FL 32164 | AFLAC | $10 | — | $10 | 0.06% |
| MARIE MICHELE HASKELL3 Filed as: MARIE MICHELLE HASKELL | PO BOX 440307 JACKSONVILLE, FL 32222 | AFLAC | $10 | — | $10 | 0.06% |
| J C ADAMS INC3 | 5631 NE 31ST TER OCALA, FL 34479 | AFLAC | $10 | — | $10 | 0.06% |
| JENNIFER L HOCE3 | 4116 CASTLEBAY DR JACKSONVILLE, FL 32257 | AFLAC | $7 | — | $7 | 0.04% |
| JIMMY D BOONE3 | 5346 DOMINICA CIR SARASOTA, FL 34233 | AFLAC | $5 | — | $5 | 0.03% |
| ROBERT VICTOR WOERNER II3 | 2285 MARSH HAWK LANE APT 1304 FLEMING ISLAND, FL 32003 | AFLAC | $5 | — | $5 | 0.03% |
| BRANDON C ADAMS3 | 74 CROWN COLONY RD SAINT AUGUSTINE, FL 32092 | AFLAC | $4 | — | $4 | 0.02% |
| ROBERT P FERRONE3 | 8168 CENTRAL PARK WAY N APT 202 MAPLE GROVE, MN 55369 | AFLAC | $2 | — | $2 | 0.01% |
| TRACI R BATTEN3 | 216 W MAITLAND BLVD MAITLAND, FL 32751 | AFLAC | $1 | — | $1 | 0.01% |
| VICKI M DICKERT3 | 258 SEAVIEW AVE DAYTONA BEACH, FL 32118 | AFLAC | $1 | — | $1 | 0.01% |
| JEFFREY M SINTAY3 | 2685 S RAINBOW BLVD STE 200 LAS VEGAS, NV 89146 | AFLAC | $1 | — | $1 | 0.01% |
| JEFFREY M SINTAY3 | 1972 ALCOVA RIDGE DR LAS VEGAS, NV 89135 | AFLAC | $1 | — | $1 | 0.01% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INC. DBA THE BAILEY G | 1200 PLANTATION ISLAND DR. S. SUITE 210 ST. AUGUSTINE, FL 32080 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $331 | $3K | 22.55% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INC. DBA THE BAILEY G | 1200 PLANTATION ISLAND DR. S. SUITE 210 ST. AUGUSTINE, FL 32080 | THE LINCOLN NATION LIFE INSURANCE COMPANY | $2K | $311 | $3K | 22.79% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INC. DBA THE BAILEY G | 1200 PLANTATION ISLAND DR. S. SUITE 210 ST. AUGUSTINE, FL 32080 | HUMANA INSURANCE COMPANY | $1K | $180 | $2K | 17.07% |
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 | 123 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 60 | $1.2M |
| Dental | FLORIDA COMBINED LIFE | 94 | $53K |
| Vision | HUMANA INSURANCE COMPANY | 92 | $9K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 123 | $24K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 28 | $30K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 122 | $23K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS | 60 | $1.2M |
| Other(3 contracts, 3 carriers) | AFLAC | 123 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.