| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 SAINT AUGUSTINE, FL 320803115 | UNITED HEALTHCARE INSURANCE COMPANY | $18K | $83K | $101K | 7.95% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 SAINT AUGUSTINE, FL 320803115 | UNITED HEALTHCARE INSURANCE COMPANY | — | $2K | $2K | 0.20% |
| MFB FINANCIAL INC3 Filed as: MFB (THE BAILEY GROUP) | 1200 PLANTATION ISLAND DR S STE 210 SAINT AUGUSTINE, FL 32080 | UNITED HEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 12.40% |
| PETER HAGER3 Filed as: PETER C HAGER | 4660 NOTTINGHAM RD JACKSONVILLE, FL 32210 | AFLAC | $5K | $189 | $5K | 9.95% |
| THOMAS JAMES OLLER3 | 2410 SOUTHERN LINKS DR FLEMING ISLAND, FL 32003 | AFLAC | $1K | $38 | $1K | 2.69% |
| MARK A LINSNER3 | 10375 CENTURION PKWY N STE 100 JACKSONVILLE, FL 32256 | AFLAC | $849 | $38 | $887 | 1.77% |
| JULIA CHAMBERS HAGER3 | 4660 NOTTINGHAM RD JACKSONVILLE, FL 32210 | AFLAC | $304 | — | $304 | 0.61% |
| MARIE MICHELE HASKELL3 | 5023 EAGLE POINT DR JACKSONVILLE, FL 32244 | AFLAC | $117 | — | $117 | 0.23% |
| DAVID MARKS3 | 4021 WE HECK CT STE J BATON ROUGE, LA 70816 | AFLAC | $98 | — | $98 | 0.20% |
| TROY DANIEL DESLATTE3 | 107 SHADY PARK DR LAFAYETTE, LA 70508 | AFLAC | $44 | — | $44 | 0.09% |
| THE HORTON GROUP3 Filed as: R HORTON GRIFFIN JR | 116 N DAWSON ST THOMASVILLE, GA 31792 | AFLAC | $42 | — | $42 | 0.08% |
| JIMMY D BOONE3 | 5346 DOMINICA CIR SARASOTA, FL 34233 | AFLAC | $32 | — | $32 | 0.06% |
| FREDERICK I BRAREN JR3 | 1840 SAN MARCO BLVD APT 2 JACKSONVILLE, FL 32207 | AFLAC | $31 | — | $31 | 0.06% |
| DAVID K MOBLEY3 | 3812 VALVERDE CIR JACKSONVILLE, FL 32224 | AFLAC | $30 | — | $30 | 0.06% |
| SHADEL & ASSOCIATES LLC3 | 126 HOPKINS ST NEPTUNE BEACH, FL 32266 | AFLAC | $27 | — | $27 | 0.05% |
| DANNY L LOPER3 | PO BOX 1378 LIVE OAK, FL 32064 | AFLAC | $25 | — | $25 | 0.05% |
| ARW BENEFITS LLC3 | 210 16TH ST UNIT K ST AUGUSTINE, FL 32080 | AFLAC | $21 | — | $21 | 0.04% |
| JIMMY LEON JOHNSON3 | 40 AVERY ST SAINT AUGUSTINE, FL 32084 | AFLAC | $20 | — | $20 | 0.04% |
| ASSURANCE AGENCY LTD3 Filed as: CHERRY ASSURANCE GROUP INC | 1425 PIEDMONT DR E STE 101B TALLAHASSEE, FL 32308 | AFLAC | $17 | — | $17 | 0.03% |
| J C ADAMS INC3 | 5631 NE 31ST TER OCALA, FL 34479 | AFLAC | $15 | — | $15 | 0.03% |
| ELAINE COX3 | 3355 DOROTHEA RD JACKSONVILLE, FL 32216 | AFLAC | $14 | — | $14 | 0.03% |
| BETH LUANNE KIMBROUGH3 | 6750 N ANDREWS AVE STE 200 FT LAUDERDALE, FL 33309 | AFLAC | $13 | — | $13 | 0.03% |
| J W GRIMES INC3 | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $13 | — | $13 | 0.03% |
| ALGERINE COX3 Filed as: ALGERINE B COX | 3355 DOROTHEA RD JACKSONVILLE, FL 32216 | AFLAC | $12 | — | $12 | 0.02% |
| LINDSAY NORFLEET FICO3 | 1929 SW 247TH WAY NEWBERRY, FL 32669 | AFLAC | $11 | — | $11 | 0.02% |
| CHRIS GUZEWICH3 | 1007 DRAKEFEATHER DR ORANGE PARK, FL 32065 | AFLAC | $10 | — | $10 | 0.02% |
| JOEY C ADAMS3 | 317 NORTHEAST 36TH AVE SUITE 6 OCALA, FL 34470 | AFLAC | $9 | — | $9 | 0.02% |
| ROBERT VICTOR WOERNER II3 Filed as: ROBERT VICTOR WOERNER | 210 16TH ST UNIT K ST AUGUSTINE, FL 32080 | AFLAC | $8 | — | $8 | 0.02% |
| JEFFREY M SINTAY3 | 5300 OAKBROOK PKWY STE 300 STE 350 NORCROSS, GA 30093 | AFLAC | $8 | — | $8 | 0.02% |
| JAMES R MIRABELLI3 Filed as: JAMES ISRAEL BODDIE | 10175 FORTUNE PKWY UNIT 604 JACKSONVILLE, FL 32256 | AFLAC | $5 | — | $5 | 0.01% |
| JAMES R MIRABELLI3 | 801 BRINY AVE APT 1403 POMPANO BEACH, FL 33062 | AFLAC | $5 | — | $5 | 0.01% |
| CECIL T SALMON3 | 27 RAMBLEWOOD DR PALM COAST, FL 32164 | AFLAC | $4 | — | $4 | 0.01% |
| AARON ANTHONY3 | 1700 FOUNTAIN CT APT 1303 COLUMBUS, GA 31904 | AFLAC | $4 | — | $4 | 0.01% |
| JEFFREY M SINTAY3 | 100 GALLERIA PKWY SE STE 900 ATLANTA, GA 30339 | AFLAC | $3 | — | $3 | 0.01% |
| JASON BODDIE3 Filed as: JASON ISRAEL BODDIE | 5242 LOUIS LN MIDDLEBURG, FL 32068 | AFLAC | $2 | — | $2 | 0.00% |
| VICKI M DICKERT3 | 103 LAUGHING GULL LN CARRABELLE, FL 32322 | AFLAC | $2 | — | $2 | 0.00% |
| BRANDON C ADAMS3 | 268 SW SHOREWOOD DR DUNNELLON, FL 34431 | AFLAC | $2 | — | $2 | 0.00% |
| ROBERT P FERRONE3 | 262 AUTUMN TRAIL WAY WAVERLY HALL, GA 31831 | AFLAC | $2 | — | $2 | 0.00% |
| OMER S BASS IV3 | 565 W GATEWAY CT MERRITT ISLAND, FL 32952 | AFLAC | $1 | — | $1 | 0.00% |
| VICKI M DICKERT3 | 3264 ADDISON LN TALLAHASSEE, FL 32317 | AFLAC | $1 | — | $1 | 0.00% |
| MARK C LEE3 | 11500 COUNTY LINE RD MIDLAND, GA 31820 | AFLAC | $1 | — | $1 | 0.00% |
| PETER HAGER3 | 4660 NOTTINGHAM RD JACKSONVILLE, FL 32210 | CONTINENTAL AMERICAN INSURANCE COMPANY | $177 | — | $177 | 3.50% |
| ROBERT V WOERNER3 | 1548 WATERBRIDGE CT FLEMING ISLAND, FL 32003 | CONTINENTAL AMERICAN INSURANCE COMPANY | $140 | — | $140 | 2.77% |
| THOMAS J OLLER3 | 49 SWIMMING PEN DR MIDDLEBURG, FL 32068 | CONTINENTAL AMERICAN INSURANCE COMPANY | $63 | — | $63 | 1.25% |
| TROY D DESLATTE3 | 107 SHADY PARK DRIVE LAFAYETTE, LA 70508 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33 | — | $33 | 0.65% |
| MARIE MICHELE HASKELL3 | PO BOX 440307 JACKSONVILLE, FL 32222 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.26% |
| JIMMY LEON JOHNSON3 Filed as: JIMMY L JOHNSON | 411 WALNUT ST #16846 GREEN COVE SPRING, FL 32043 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.26% |
| WILLIAM M MOODY Filed as: WILLIAM GARRETT | 91 ABALONE LANE EAST PONTE VEDRA BEACH, FL 32082 | EQUAL JUSTICE FOR ALL LEGAL EXPENSE INSURANCE COMPANY | $144 | $288 | $432 | 60.00% |
| CHARLES B ZITSMAN4 | 3521 KINDS RD S ST AUGUSTINE, FL 32086 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $23 | — | $23 | 6.01% |
| MFB FINANCIAL DBA THE BAILEY GROUP4 | STE210 1200 PLANTATION ISLAND DR ST AUGUSTINE, FL 32080 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $23 | — | $23 | 6.01% |
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 | 167 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 180 | $1.3M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 180 | $1.3M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 180 | $1.3M |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 167 | $57K |
| Long-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 167 | $57K |
| Other(4 contracts, 4 carriers) | AFLAC | 129 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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.