| 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 | HEALTH OPTIONS | $41K | — | $41K | 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 | $35K | — | $35K | 6.00% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INC. | 1200 PLANTATION ISLAND DR. S. SUITE 210 ST. AUGUSTINE, FL 32080 | FLORIDA COMBINED LIFE | $9K | — | $9K | 16.18% |
| 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 | $5K | $1K | $6K | 24.19% |
| 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 | $806 | $5K | 23.61% |
| PETER HAGER3 Filed as: PETER C HAGER | 4660 NOTTINGHAM RD JACKSONVILLE, FL 32210 | AFLAC | $2K | $26 | $2K | 10.50% |
| THOMAS JAMES OLLER3 | 2410 SOUTHERN LINKS DR FLEMING ISLAND, FL 32003 | AFLAC | $496 | $5 | $501 | 2.39% |
| MARK A LINSNER3 | 153 BLANDING BLVD SUITE 3 ORANGE PARK, FL 32073 | AFLAC | $221 | $5 | $226 | 1.08% |
| MARK A LINSNER3 | 10375 CENTURION PKWY N STE 100 JACKSONVILLE, FL 32256 | AFLAC | $197 | — | $197 | 0.94% |
| JULIA CHAMBERS HAGER3 | 4660 NOTTINGHAM RD JACKSONVILLE, FL 32210 | AFLAC | $192 | — | $192 | 0.92% |
| DAVID MARKS3 | 4021 WE HECK CT SUITE J BATON ROUGE, LA 70816 | AFLAC | $98 | — | $98 | 0.47% |
| TROY DANIEL DESLATTE3 | 107 SHADY PARK DR LAFAYETTE, LA 70508 | AFLAC | $33 | — | $33 | 0.16% |
| ROBERT VICTOR WOERNER II3 Filed as: ROBERT VICTOR WOERNER | 210 16TH ST UNIT K ST. AUGUSTINE, FL 32080 | AFLAC | $32 | — | $32 | 0.15% |
| MARIE MICHELE HASKELL3 | PO BOX 440307 JACKSONVILLE, FL 32222 | AFLAC | $31 | — | $31 | 0.15% |
| ROBERT VICTOR WOERNER II3 Filed as: ROBERT VICTOR WOERNER III | 210 16TH ST UNIT K ST. AUGUSTINE, FL 32080 | AFLAC | $31 | — | $31 | 0.15% |
| DONALD MCELROY3 | 4825 CISCO DR W JACKSONVILLE, FL 32219 | AFLAC | $24 | — | $24 | 0.11% |
| BETH LUANNE KIMBROUGH3 | 6750 N ANDREWS AVE STE 200 FT LAUDERDALE, FL 33309 | AFLAC | $21 | — | $21 | 0.10% |
| MICHELE HASKELL3 | PO BOX 440307 JACKSONVILLE, FL 32222 | AFLAC | $19 | — | $19 | 0.09% |
| DENNIS PITTMAN3 | 9372 COXWELL LN JACKSONVILLE, FL 32221 | AFLAC | $15 | — | $15 | 0.07% |
| JIMMY LEON JOHNSON3 | 40 AVERY ST ST. AUGUSTINE, FL 32084 | AFLAC | $13 | — | $13 | 0.06% |
| JAMES R MIRABELLI3 | 801 BRINY AVE APT 1403 POMPANO BEACH, FL 33062 | AFLAC | $11 | — | $11 | 0.05% |
| JENNIFER L HOCE3 | 4116 CASTLEBAY DR JACKSONVILLE, FL 32257 | AFLAC | $8 | — | $8 | 0.04% |
| J C ADAMS INC3 | 5631 NE 31ST TER OCALA, FL 34479 | AFLAC | $8 | — | $8 | 0.04% |
| CECIL T SALMON3 | 95 EDWARD DR PALM COAST, FL 32164 | AFLAC | $8 | — | $8 | 0.04% |
| BRANDON C ADAMS3 | 268 SW SHOREWOOD DR DUNNELLON, FL 34431 | AFLAC | $4 | — | $4 | 0.02% |
| JOEY C ADAMS3 | 317 NORTHEAST 36TH AVE SUITE 6 OCALA, FL 34470 | AFLAC | $3 | — | $3 | 0.01% |
| JIMMY D BOONE3 | 5346 DOMINICA CIR SARASOTA, FL 34233 | AFLAC | $3 | — | $3 | 0.01% |
| JEFFREY M SINTAY3 | 2685 S RAINBOW BLVD STE 200 LAS VEGAS, NV 89146 | AFLAC | $2 | — | $2 | 0.01% |
| ROBERT P FERRONE3 | 262 AUTUMN TRAIL WAY WAVERLY HALL, GA 31831 | AFLAC | $2 | — | $2 | 0.01% |
| JEFFREY M SINTAY3 | 100 GALLERIA PKWY SE STE 900 ATLANTA, GA 30339 | AFLAC | $1 | — | $1 | 0.00% |
| TRACI R BATTEN3 | 261 W MAITLAND BLVD MAITLAND, FL 32751 | AFLAC | $1 | — | $1 | 0.00% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR. SUITE 210 ST. AUGUSTINE, FL 32080 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $391 | $3K | 23.59% |
| 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 | $460 | $2K | 24.65% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INC. | 1200 PLANTATION ISLAND DR. S. SUITE 210 ST. AUGUSTINE, FL 32080 | HUMANA INSURANCE COMPANY | $1K | $397 | $2K | 19.42% |
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. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 61 | $1.3M |
| Dental | FLORIDA COMBINED LIFE | 101 | $54K |
| Vision | HUMANA INSURANCE COMPANY | 95 | $9K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 132 | $21K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 26 | $25K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 130 | $22K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS | 61 | $1.3M |
| Other(3 contracts, 2 carriers) | AFLAC | 132 | $42K |
| 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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.