| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 SAINT AUGUSTINE, FL 32080 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | $70K | $80K | 6.36% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR STE 210 ST AUGUSTINE, FL 32080 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | — | $12K | 20.19% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICE INC | 1250 S CAPITAL OF TEXAS HWY # 2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $237 | $237 | 0.41% |
| PETER HAGER3 | 4660 NOTTINGHAM RD JACKSONVILLE, FL 32210 | AFLAC | $5K | $263 | $5K | 10.40% |
| THOMAS JAMES OLLER3 Filed as: THOMAS OLLER | 2410 SOUTHERN LINKS DR FLEMING ISLAND, FL 32003 | AFLAC | $1K | $87 | $1K | 2.77% |
| MARK A LINSNER3 Filed as: MARK LINSNER | 10375 CENTURION PKWY N STE 100 JACKSONVILLE, FL 32256 | AFLAC | $874 | $87 | $961 | 1.97% |
| JULIA CHAMBERS HAGER3 Filed as: JULIA HAGER | 4660 NOTTINGHAM RD JACKSONVILLE, FL 32210 | AFLAC | $693 | $172 | $865 | 1.77% |
| MARIE MICHELE HASKELL3 Filed as: MARIE HASKELL | PO BOX 440307 JACKSONVILLE, FL 32222 | AFLAC | $133 | — | $133 | 0.27% |
| DAVID MARKS3 | 4021 WE HECK CT STE J BATON ROUGE, LA 70816 | AFLAC | $113 | — | $113 | 0.23% |
| TROY DANIEL DESLATTE3 Filed as: TROY DESLATTE | 107 SHADY PARK DR LAFAYETTE, LA 70508 | AFLAC | $51 | — | $51 | 0.10% |
| JIMMY D BOONE3 Filed as: JIMMY BOONE | 5346 DOMINICA CIR SARASOTA, FL 34233 | AFLAC | $38 | — | $38 | 0.08% |
| ARW BENEFITS LLC3 | 210 16TH ST UNIT K ST AUGUSTINE, FL 32080 | AFLAC | $34 | — | $34 | 0.07% |
| THE HORTON GROUP3 Filed as: R HORTON GRIFFIN JR | 116 N DAWSON ST THOMASVILLE, GA 31792 | AFLAC | $34 | — | $34 | 0.07% |
| DANNY L LOPER3 Filed as: DANNY LOPER | PO BOX 1378 LIVE OAK, FL 32064 | AFLAC | $27 | — | $27 | 0.06% |
| FREDERICK I BRAREN JR3 Filed as: FREDERICK BRAREN JR | 1840 SAN MARCO BLVD APT 2 JACKSONVILLE, FL 32207 | AFLAC | $24 | — | $24 | 0.05% |
| JIMMY LEON JOHNSON3 Filed as: JIMMY JOHNSON | 40 AVERY ST SAINT AUGUSTINE, FL 32084 | AFLAC | $23 | — | $23 | 0.05% |
| ASSURANCE AGENCY LTD3 Filed as: CHERRY ASSURANCE GROUP INC | 1425 PIEDMONT DR E STE 101B TALLAHASSEE, FL 32308 | AFLAC | $18 | — | $18 | 0.04% |
| ELAINE COX3 | 3355 DOROTHEA RD JACKSONVILLE, FL 32216 | AFLAC | $15 | — | $15 | 0.03% |
| BETH LUANNE KIMBROUGH3 Filed as: BETH KIMBROUGH | 6750 N ANDREWS AVE STE 200 FT LAUDERDALE, FL 33309 | AFLAC | $14 | — | $14 | 0.03% |
| JOEY C ADAMS3 Filed as: JOEY ADAMS | 317 NORTHEAST 36TH AVE SUITE 6 OCALA, FL 34470 | AFLAC | $14 | — | $14 | 0.03% |
| JEFFREY M SINTAY3 Filed as: JEFFREY SINTAY | 100 GALLERIA PKWY SE STE 900 ATLANTA, GA 30339 | AFLAC | $13 | — | $13 | 0.03% |
| ALGERINE COX3 Filed as: ALGERINE COZ | 3355 DOROTHEA RD JACKSONVILLE, FL 32216 | AFLAC | $13 | — | $13 | 0.03% |
| CHRIS GUZEWICH3 | 1007 DRAKEFEATHER DR ORANGE PARK, FL 32065 | AFLAC | $11 | — | $11 | 0.02% |
| J W GRIMES INC3 | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $11 | — | $11 | 0.02% |
| LINDSAY NORFLEET FICO3 Filed as: LINDSAY FICO | 1929 SW 247TH WAY NEWBERRY, FL 32669 | AFLAC | $11 | — | $11 | 0.02% |
| LAURA HEILIG3 | 13768 ORAK TREE TER JACKSONVILLE, FL 32224 | AFLAC | $9 | — | $9 | 0.02% |
| JASON BODDIE3 | 10175 FORTUNE PKWY UNIT 604 JACKSONVILLE, FL 32256 | AFLAC | $7 | — | $7 | 0.01% |
| JAMES R MIRABELLI3 Filed as: JAMES MIRABELLI | 801 BRINY AVE APT 1403 POMPANO BEACH, FL 33062 | AFLAC | $6 | — | $6 | 0.01% |
| JAMES DATTILO3 | 4315 PEBBLE BROOK DR JACKSONVILLE, FL 32224 | AFLAC | $4 | — | $4 | 0.01% |
| AARON ANTHONY3 | 1700 FOUNTAIN CT APT 1303 COLUMBUS, GA 31904 | AFLAC | $4 | — | $4 | 0.01% |
| CECIL T SALMON3 Filed as: CECIL SALMON | 95 EDWARD DR PALM COAST, FL 32164 | AFLAC | $4 | — | $4 | 0.01% |
| VICKI M DICKERT3 Filed as: VICKI DICKERT | 3264 ADDISON LN TALLAHASSEE, FL 32317 | AFLAC | $3 | — | $3 | 0.01% |
| ROBERT P FERRONE3 Filed as: ROBERT FERRONE | 262 AUTUMN TRAIL WAY WAVERLY HALL, GA 31831 | AFLAC | $2 | — | $2 | 0.00% |
| BRANDON C ADAMS3 Filed as: BRANDON ADAMS | 74 CROWN COLONY RD SAINT AUGUSTINE, FL 32092 | AFLAC | $2 | — | $2 | 0.00% |
| DAVID K MOBLEY3 Filed as: DAVID MOBLEY | 3812 VALVERDE CIR JACKSONVILLE, FL 32224 | AFLAC | $2 | — | $2 | 0.00% |
| OMER S BASS IV3 Filed as: OMER BASS IV | 565 W GATEWAY CT MERRITT ISLAND, FL 32952 | AFLAC | $1 | — | $1 | 0.00% |
| MARK C LEE3 Filed as: MARK LEE | 11500 COUNT LINE RD MIDLAND, GA 31820 | AFLAC | $1 | — | $1 | 0.00% |
| WILLIAM M MOODY Filed as: WILLIAM GARRET | 91 ABALONE LANE EAST PONTE VEDRA BEACH, FL 32082 | EQUAL JUSTICE FOR ALL LEGAL EXPENSE INSURANCE COMPANY | $116 | $232 | $348 | 60.00% |
| CHARLES B ZITSMAN4 | 3521 KINGS RD S ST AUGUSTINE, FL 32086 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2 | — | $2 | 0.37% |
| MFB FINANCIAL DBA THE BAILEY GROUP4 | STE 210 1200 PLANTATION ISLAND DR ST AUGUSTINE, FL 32080 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2 | — | $2 | 0.37% |
| PETER HAGER3 | 4660 NOTTINGHAM RD JACKSONVILLE, FL 32210 | CONTINENTAL AMERICAN INSURANCE COMPANY | $219 | — | $219 | — |
| ROBERT V WOERNER3 | 1548 WATERBRIDGE CT FLEMING ISLAND, FL 32003 | CONTINENTAL AMERICAN INSURANCE COMPANY | $158 | — | $158 | — |
| THOMAS J OLLER3 | 49 SWIMMING PEN DR MIDDLEBURG, FL 32068 | CONTINENTAL AMERICAN INSURANCE COMPANY | $71 | — | $71 | — |
| TROY D DESLATTE3 | 107 SHADY PARK DR LAFAYETTE, LA 70508 | CONTINENTAL AMERICAN INSURANCE COMPANY | $42 | — | $42 | — |
| MARIE MICHELE HASKELL3 | PO BOX 440307 JACKSONVILLE, FL 32222 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | — |
| MARIE MICHELE HASKELL3 | PO BOX 440307 JACKSONVILLE, FL 32222 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | — |
| JIMMY LEON JOHNSON3 Filed as: JIMMY L JOHNSON | 1477 FRUIT COVE FOREST RD N JACKSONVILLE, FL 32259 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | — |
| 9999DAVID MARKS3 | 4021 W.E. HECK CT BUILDING J BATON ROUGE, LA 70816 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | — |
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 | 171 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 373 | $1.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 373 | $1.3M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 373 | $1.3M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 171 | $58K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 171 | $58K |
| Other(4 contracts, 4 carriers) | AFLAC | 129 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 373 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.