| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST. AUGUSTINE, FL 32080 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $93K | $93K | 6.51% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST. AUGUSTINE, FL 32080 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | $4K | $16K | 1.13% |
| MFB FINANCIAL INC3 Filed as: MFB (THE BAILEY GROUP) | 1200 PLANTATION ISLAND DRIVE S STE 210 SAINT AUGUSTINE, FL 32080 | UNITED HEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 11.43% |
| PETER HAGER3 | 4660 NOTTINGHAM ROAD JACKSONVILLE, FL 32210 | AFLAC | $2K | — | $2K | 5.17% |
| THOMAS JAMES OLLER3 Filed as: THOMAS OLLER | 2410 SOUTHERN LINKS DR FLEMING ISLAND, FL 32003 | AFLAC | $705 | — | $705 | 1.85% |
| HEIDI HANSEN3 | 12 FOX VALLEY DR ORANGE PARK, FL 32073 | AFLAC | $431 | — | $431 | 1.13% |
| MARK A LINSNER3 Filed as: MARK LINSNER | 10375 CENTURION PKWY N STE 100 JACKSONVILLE, FL 32256 | AFLAC | $370 | — | $370 | 0.97% |
| JULIA CHAMBERS HAGER3 Filed as: JULIA HAGER | 4660 NOTTINGHAM ROAD JACKSONVILLE, FL 32210 | AFLAC | $222 | — | $222 | 0.58% |
| MARIE MICHELE HASKELL3 Filed as: MARIE HASKELL | PO BOX 440307 JACKSONVILLE, FL 32222 | AFLAC | $103 | — | $103 | 0.27% |
| SERGIO I GARCIA3 Filed as: SERGIO GARCIA | 3809 LAVISTA CIR APT 239 JACKSONVILLE, FL 32217 | AFLAC | $91 | — | $91 | 0.24% |
| DAVID MARKS3 | 3011 CANEWOOD LN BATON ROUGE, LA 70810 | AFLAC | $87 | — | $87 | 0.23% |
| SHADEL & ASSOCIATES LLC3 | 3100 BLUFF LN HILLSBOROUGH, NC 27278 | AFLAC | $80 | — | $80 | 0.21% |
| SLR INSURANCE SOLUTIONS INC3 Filed as: SLR INSURANCE SOLUTIONS, INC. | 179 PINE HAVEN DR ST. JOHNS, FL 32259 | AFLAC | $62 | — | $62 | 0.16% |
| THE HORTON GROUP3 Filed as: R HORTON GRIFFIN JR | 610 BLACKSHEAR ST THOMASVILLE, GA 31792 | AFLAC | $45 | — | $45 | 0.12% |
| FREDERICK I BRAREN JR3 Filed as: FREDERICK BRAREN JR | 1840 SAN MARCO BLVD APT 2 JACKSONVILLE, FL 32207 | AFLAC | $34 | — | $34 | 0.09% |
| TROY DANIEL DESLATTE3 Filed as: TROY DESLATTE | 107 SHADY PARK DR LAFAYETTE, LA 70508 | AFLAC | $34 | — | $34 | 0.09% |
| ROBERT WOERNER3 | 4000 GRANDE VISTA BLVD APT 124 ST. AUGUSTINE, FL 32084 | AFLAC | $31 | — | $31 | 0.08% |
| DAVID K MOBLEY3 Filed as: DAVID MOBLEY | 3812 VALVERDE CIR JACKSONVILLE, FL 32224 | AFLAC | $26 | — | $26 | 0.07% |
| WHITNEY L MILLWOOD3 Filed as: WHITNEY MILLWOOD | 153 BLANDING BLVD STE 3 ORANGE PARK, FL 32073 | AFLAC | $25 | — | $25 | 0.07% |
| JIMMY LEON JOHNSON3 Filed as: JIMMY JOHNSON | 411 WALNUT ST #16846 GREEN COVE SPRINGS, FL 32043 | AFLAC | $16 | — | $16 | 0.04% |
| J W GRIMES INC3 | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $14 | — | $14 | 0.04% |
| BETH LUANNE KIMBROUGH3 Filed as: BETH KIMBROUGH | 6750 N ANDREWS AVE STE 200 FT LAUDERDALE, FL 33309 | AFLAC | $13 | — | $13 | 0.03% |
| ELAINE COX3 | 3355 DOROTHEA RD JACKSONVILLE, FL 32216 | AFLAC | $13 | — | $13 | 0.03% |
| ALGERINE COX3 | 3355 DOROTHEA RD JACKSONVILLE, FL 32216 | AFLAC | $11 | — | $11 | 0.03% |
| CHRIS GUZEWICH3 | 1007 DRAKEFEATHER DR ORANGE PARK, FL 32065 | AFLAC | $10 | — | $10 | 0.03% |
| JEFFREY M SINTAY3 Filed as: JEFFREY SINTAY | 5300 OAKBROOK PKWY STE 300 STE 350 NORCROSS, GA 30093 | AFLAC | $9 | — | $9 | 0.02% |
| LAURA HEILIG3 | 13768 OAK TREE TER JACKSONVILLE, FL 32224 | AFLAC | $8 | — | $8 | 0.02% |
| JIMMY D BOONE3 Filed as: JIMMY BOONE | 12626 BAYPOINTE TER CORTEZ, FL 34215 | AFLAC | $7 | — | $7 | 0.02% |
| SANDRA ADAMS3 | 1817 CYPRESS POINT RD OCALA, FL 34472 | AFLAC | $6 | — | $6 | 0.02% |
| JAMES R MIRABELLI3 Filed as: JAMES MIRABELLI | 3683 W LAKE ESTATES DR APT 1403 DAVIE, FL 33328 | AFLAC | $5 | — | $5 | 0.01% |
| BARBARA LOPER3 | 823 N MAIN ST ASHBURN, GA 31714 | AFLAC | $4 | — | $4 | 0.01% |
| ASSURANCE AGENCY LTD3 Filed as: CHERRY ASSURANCE GROUP INC | 1425 PIEDMONT DR E STE 101B TALLAHASSEE, FL 32308 | AFLAC | $3 | — | $3 | 0.01% |
| CECIL T SALMON3 Filed as: CECIL SALMON | 27 RAMBLEWOOD DR PALM COAST, FL 32164 | AFLAC | $3 | — | $3 | 0.01% |
| AARON ANTHONY3 | 1700 FOUNTAIN CT APT 1303 COLUMBUS, GA 31904 | AFLAC | $2 | — | $2 | 0.01% |
| OMER S BASS IV3 Filed as: OMER BASS IV | 565 W GATEWAY CT MERRITT ISLAND, FL 32952 | AFLAC | $1 | — | $1 | 0.00% |
| ROBERT P FERRONE3 Filed as: ROBERT FERRONE | 262 AUTUMN TRAIL WAY WAVERLY HALL, GA 31831 | AFLAC | $1 | — | $1 | 0.00% |
| LINDSAY NORFLEET FICO3 Filed as: LINDSAY FICO | 1929 SW 247TH WAY NEWBERRY, FL 32669 | AFLAC | $1 | — | $1 | 0.00% |
| VICKI M DICKERT3 Filed as: VICKI DICKERT | 103 LAUGHING GULL LN CARRABELLE, FL 32322 | AFLAC | $1 | — | $1 | 0.00% |
| JASON BODDIE3 | 5242 LOUIS LN MIDDLEBURG, FL 32068 | AFLAC | $1 | — | $1 | 0.00% |
| MARK C LEE3 Filed as: MARK LEE | 11500 COUNTY LINE RD MIDLAND, GA 31820 | AFLAC | $1 | — | $1 | 0.00% |
| PETER HAGER3 | 4660 NOTTINGHAM RD JACKSONVILLE, FL 32210 | CONTINENTAL AMERICAN INSURANCE COMPANY | $96 | — | $96 | 5.06% |
| ROBERT V WOERNER3 | 1548 WATERBRIDGE CT FLEMING ISLAND, FL 32003 | CONTINENTAL AMERICAN INSURANCE COMPANY | $76 | — | $76 | 4.01% |
| THOMAS J OLLER3 | 49 SWIMMING PEN DR MIDDLEBURG, FL 32068 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34 | — | $34 | 1.79% |
| TROY D DESLATTE3 | 107 SHADY PARK DRIVE LAFAYETTE, LA 70508 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | — | $18 | 0.95% |
| MARIE MICHELE HASKELL3 | PO BOX 440307 JACKSONVILLE, FL 32222 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.37% |
| JIMMY LEON JOHNSON3 Filed as: JIMMY L JOHNSON | 411 WALNUT ST #16846 GREEN COVE SPRINGS, FL 32043 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.37% |
| AGENT ALLIANCE CORPORATION3 Filed as: NO AGENT LISTED | — | EQUAL JUSTICE FOR ALL LEGAL EXPENSE INSURANCE COMPANY | $120 | $488 | $608 | 49.84% |
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. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 211 | $1.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 211 | $1.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 211 | $1.4M |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 167 | $81K |
| Long-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 167 | $81K |
| Other(5 contracts, 5 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 167 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.