| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE STE 210 ST AUGUSTINE, FL 32080 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | $74K | $77K | 6.64% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DRIVE STE 210 ST AUGUSTINE, FL 32080 | UNION SECURITY INSURANCE COMPANY | $7K | $1K | $8K | 11.88% |
| NFP INSURANCE SERVICES INC3 Filed as: NATIONAL FINANCIAL PARTNERS | 1250 CAPITAL OF TEXAS HWY BLDG 2 STE 600 AUSTIN, TX 78746 | UNION SECURITY INSURANCE COMPANY | $0 | $380 | $380 | 0.58% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR STE 210 ST AUGUSTINE, FL 32080 | SUN LIFE ASSURANCE COMPANY OF CANADA | $13K | $0 | $13K | 20.00% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DRIVE STE 210 ST AUGUSTINE, FL 32080 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 3.20% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | $312 | $0 | $312 | 0.50% |
| PETER HAGER3 | 4660 NOTTINGHAM RD JACKSONVILLE, FL 32210 | AFLAC | $3K | $443 | $3K | 6.91% |
| JULIA CHAMBERS HAGER3 Filed as: JULIA HAGER | 4660 NOTTINGHAM RD JACKSONVILLE, FL 32210 | AFLAC | $3K | $80 | $3K | 6.30% |
| THOMA OLLER3 | 2410 SOUTHERN LINKS DR FLEMING ISLAND, FL 32003 | AFLAC | $1K | $104 | $1K | 3.02% |
| MARK A LINSNER3 Filed as: MARK LINSNER | 153 BLANDING BLVD STE 3 ORANGE PARK, FL 32073 | AFLAC | $829 | $104 | $933 | 2.18% |
| MARIE MICHELE HASKELL Filed as: MARIE HASKELL | PO BOX 440307 JACKSONVILLE, FL 32222 | AFLAC | $133 | — | $133 | 0.31% |
| DAVID MARKS3 | 4021 WE HECK CT STE J BATON ROUGE, LA 70816 | AFLAC | $107 | — | $107 | 0.25% |
| TROY DANIEL DESLATTE3 Filed as: TROY DESLATTE | 107 SHADY PARK DR LAFAYETTE, LA 70508 | AFLAC | $50 | — | $50 | 0.12% |
| THE HORTON GROUP3 Filed as: R HORTON GRIFFIN JR | 116 N DAWSON ST THOMASVILLE, GA 31792 | AFLAC | $30 | — | $30 | 0.07% |
| ROBERT VICTOR WOERNER II Filed as: ROBERT WOERNER II | 210 16TH ST UNIT K ST AUGUSTINE, FL 32080 | AFLAC | $29 | — | $29 | 0.07% |
| JIMMY D BOONE3 Filed as: JIMMY BOONE | 5346 DOMINICA CIR SARASOTA, FL 34233 | AFLAC | $24 | — | $24 | 0.06% |
| JIMMY LEON JOHNSON3 Filed as: JIMMY JOHNSON | 1005 BELLA VISTA BLVD APT 119 ST AUGUSTINE, FL 32084 | AFLAC | $22 | — | $22 | 0.05% |
| FREDERICK I BRAREN JR3 Filed as: FREDERICK BRAREN JR | 1840 SAN MARCO BLVD APT 2 JACKSONVILLE, FL 32207 | AFLAC | $21 | — | $21 | 0.05% |
| DAVID K MOBLEY3 Filed as: DAVID MOBLEY | 3812 VALVERDE CIR JACKSONVILLE, FL 32224 | AFLAC | $20 | — | $20 | 0.05% |
| JAMES DATTILO3 | 4315 PEBBLE BROOK DR JACKSONVILLE, FL 32224 | AFLAC | $15 | — | $15 | 0.04% |
| JEFFREY M SINTAY3 Filed as: JEFFREY SINTAY | 2685 S RAINBOW BLVD STE 200 LAS VEGAS, NV 89146 | AFLAC | $14 | — | $14 | 0.03% |
| BETH LUANNE KIMBROUGH3 Filed as: BETH KIMBROUGH | 6750 N ANDREWS AVE STE 200 FT LAUDERDALE, FL 33309 | AFLAC | $14 | — | $14 | 0.03% |
| ELAINE COX3 | 3355 DOROTHEA RD JACKSONVILLE, FL 32216 | AFLAC | $13 | — | $13 | 0.03% |
| ALGERINE COX3 | 3355 DOROTHEA RD JACKSONVILLE, FL 32216 | AFLAC | $12 | — | $12 | 0.03% |
| J W GRIMES INC3 Filed as: JW GRIMES INC | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $10 | — | $10 | 0.02% |
| J C ADAMS INC3 Filed as: JC ADAMS INC | 5631 NE 31ST TER OCALA, FL 34479 | AFLAC | $10 | — | $10 | 0.02% |
| CHRIS GUZEWICH3 | 1007 DRAKEFEATHER DR ORANGE PARK, FL 32065 | AFLAC | $9 | — | $9 | 0.02% |
| LAURA HEILIG3 | 13768 OAK TREE TER JACKSONVILLE, FL 32224 | AFLAC | $8 | — | $8 | 0.02% |
| JAMES R MIRABELLI3 Filed as: JAMES MIRABELLI | 801 BRINY AVE APT 1403 POMPANO BEACH, FL 33062 | AFLAC | $6 | — | $6 | 0.01% |
| CECIL T SALMON3 Filed as: CECIL SALMON | 95 EDWARD DR PALM COAST, FL 32164 | AFLAC | $4 | — | $4 | 0.01% |
| DANNY L LOPER3 Filed as: DANNY LOPER | PO BOX 1378 LIVE OAK, FL 32064 | AFLAC | $4 | — | $4 | 0.01% |
| VICKI M DICKERT3 Filed as: VICKI DICKERT | 258 SEAVIEW AVE DAYTONA BEACH, FL 32118 | AFLAC | $3 | — | $3 | 0.01% |
| ASSURANCE AGENCY LTD3 Filed as: CHERRY ASSURANCE GROUP | 1425 PIEDMONT DR E STE 101B TALLAHASSEE, FL 32308 | AFLAC | $3 | — | $3 | 0.01% |
| BRANDON C ADAMS3 Filed as: BRANDON ADAMS | 75 CROWN COLONY RD SAINT AUGUSTINE, FL 32092 | AFLAC | $2 | — | $2 | 0.00% |
| ROBERT P FERRONE3 Filed as: ROBERT FERRONE | 8168 CENTRAL PARK WAY N APT 202 MAPLE GROVE, MN 55369 | AFLAC | $2 | — | $2 | 0.00% |
| LINDSAY NORFLEET FICO3 Filed as: LINDSAY FICO | 1929 SW 247TH WAY NEWBERRY, FL 32669 | AFLAC | $2 | — | $2 | 0.00% |
| AARON ANTHONY3 | 1700 FOUNTAIN CT APT 1303 COLUMBUS, GA 31904 | AFLAC | $2 | — | $2 | 0.00% |
| MARK C LEE3 Filed as: MARK LEE | 1444 S 17TH ST WILMINGTON, NC 38401 | AFLAC | $1 | — | $1 | 0.00% |
| JASON BODDIE3 | 10175 FORTUNE PKWY UNIT 604 JACKSONVILLE, FL 32256 | AFLAC | $1 | — | $1 | 0.00% |
| PETER HAGER3 | 4660 NOTTINGHAM RD JACKSONVILLE, FL 32210 | CONTINENTAL AMERICAN INSURANCE COMPANY | $230 | — | $230 | 3.49% |
| ROBERT V WOERNER3 | 1548 WATERBRIDGE CT FLEMING ISLAND, FL 32203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $162 | — | $162 | 2.46% |
| THOMAS J OLLER3 | 49 SWIMMING PEN DR MIDDLEBURG, FL 32068 | CONTINENTAL AMERICAN INSURANCE COMPANY | $73 | — | $73 | 1.11% |
| TROY D DESLATTE3 | 107 SHADY PARK DRIVE LAFAYETTE, LA 40508 | CONTINENTAL AMERICAN INSURANCE COMPANY | $44 | — | $44 | 0.67% |
| MARIE MICHELE HASKELL3 | PO BOX 440307 JACKSONVILLE, FL 32222 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38 | — | $38 | 0.58% |
| JIMMY LEON JOHNSON3 Filed as: JIMMY L JOHNSON | 1477 FRUIT COVE FOREST RD N JACKSONVILLE, FL 32259 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.23% |
| DAVID MARKS3 | 4021 WE HECK CT BUILDING J BATON ROUGE, LA 70816 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.17% |
| MATT CASTO3 | 7365 TREELINE DR SE GRAND RAPIDS, MI 49546 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $71 | — | $71 | 5.63% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | STE 210 1200 PLANTATION ISLAND DR ST AUGUSTINE, FL 32080 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $37 | — | $37 | 2.94% |
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 | 282 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 247 | $1.2M |
| Dental | UNION SECURITY INSURANCE COMPANY | 134 | $65K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 247 | $1.2M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 208 | $63K |
| Other(3 contracts, 3 carriers) | AFLAC | 129 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.