| 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 | BLUE CROSS BLUE SHIELD OF FLORIDA | $63K | $0 | $63K | 5.00% |
| 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 | $6K | $0 | $6K | 5.00% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC. | 1200 PLANTATION ISLAND DR. S. ST. AUGUSTINE, FL 32080 | SUN LIFE ASSURANCE COMPANY OF CANADA | $15K | $1K | $16K | 17.74% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $470 | $470 | 0.53% |
| SUSAN KNIGHT INS SERV INC | 2703 OCEAN DR. S. 2ND FL JACKSONVILLE BEACH, FL 32250 | AFLAC | $6K | $1K | $7K | 8.93% |
| DAVID ABOULAFIA | 1 SPENCER ST. ST. AUGUSTINE, FL 32084 | AFLAC | $2K | $205 | $2K | 2.82% |
| DAVID MARKS | 4021 WE HECK CT. BLDG. J BATON ROUGE, LA 70816 | AFLAC | $707 | $186 | $893 | 1.12% |
| KENNETH FRANK JR | 8091 SIERRA OAKS BLVD. JACKSONVILLE, FL 32219 | AFLAC | $595 | $0 | $595 | 0.74% |
| MICHAEL MCDONALD | 7111 GLENDYNE DR. S. JACKSONVILLE, FL 32216 | AFLAC | $424 | $0 | $424 | 0.53% |
| GARY JORDAN | 1 SPENCER ST. ST. AUGUSTINE, FL 32084 | AFLAC | $122 | $0 | $122 | 0.15% |
| BETH LUANNE KIMBROUGH Filed as: BETH KIMBROUGH | 6750 N. ANDREWS AVE. STE. 200 FT. LAUDERDALE, FL 33309 | AFLAC | $78 | $0 | $78 | 0.10% |
| MARK A LINSNER Filed as: MARK LINSNER | 153 BLANDING BLVD. STE. 3 ORANGE PARK, FL 32073 | AFLAC | $54 | $19 | $73 | 0.09% |
| J C ADAMS INC | 5631 N. E. 31ST TER. OCALA, FL 34479 | AFLAC | $70 | $0 | $70 | 0.09% |
| TROY DANIEL DESLATTE Filed as: TROY DESLATTE | 107 SHADY PARK DR. LAFAYETTE, LA 70508 | AFLAC | $59 | $0 | $59 | 0.07% |
| MARK HANNAH | 3025 TOWNSEND BLVD. JACKSONVILLE, FL 32277 | AFLAC | $56 | $0 | $56 | 0.07% |
| GEORGE H REYNOLDS III Filed as: GEORGE REYNOLDS III | 6724 GREEN ISLAND DR. COLUMBUS, GA 31904 | AFLAC | $56 | $0 | $56 | 0.07% |
| CHRIS GUZEWICH | 1007 DRAKE FEATHER DR. ORANGE PARK, FL 32065 | AFLAC | $50 | $0 | $50 | 0.06% |
| DAVID K MOBLEY Filed as: DAVID MOBLEY | 3812 VALVERDE CIR. JACKSONVILLE, FL 32224 | AFLAC | $47 | $0 | $47 | 0.06% |
| BRANDON C ADAMS Filed as: BRANDON ADAMS | 74 CROWN COLONY RD. ST. AUGUSTINE, FL 32092 | AFLAC | $43 | $0 | $43 | 0.05% |
| JIMMY D BOONE Filed as: JIMMY BOONE | 5346 DOMINICA CIR. SARASOTA, FL 34233 | AFLAC | $28 | $0 | $28 | 0.04% |
| BRENDA D KEARLEY Filed as: BRENDA KEARLEY | 5964 COVERED CREEK LN. JACKSONVILLE, FL 32277 | AFLAC | $25 | $0 | $25 | 0.03% |
| JAMES R MIRABELLI Filed as: JAMES MIRABELLI | 21426 GOSIER WAY BOCA RATON, FL 33428 | AFLAC | $23 | $0 | $23 | 0.03% |
| MICHELLE HASKELL | P.O. BOX 440307 JACKSONVILLE, FL 32222 | AFLAC | $20 | $0 | $20 | 0.03% |
| THOMAS JAMES OLLER Filed as: THOMAS OLLER | 2410 SOUTHERN LINKS DR. FLEMING ISLAND, FL 32003 | AFLAC | $19 | $0 | $19 | 0.02% |
| RICHARD RUSSELL HOGAN Filed as: RICHARD HOGAN | 263 OSCAR KILPATRICK RD. GIBSLAND, LA 71028 | AFLAC | $16 | $0 | $16 | 0.02% |
| JIMMY LEON JOHNSON Filed as: JIMMY JOHNSON | 28 MAGNOLIA AVE. ST. AUGUSTINE, FL 32084 | AFLAC | $12 | $0 | $12 | 0.02% |
| TERRY SIMS | 2899 COUNTY CLUB BLVD. ORANGE PARK, FL 32073 | AFLAC | $12 | $0 | $12 | 0.02% |
| MICHAEL HIGGINS | 1003 DRAKE FEATHER DR. ORANGE PARK, FL 32065 | AFLAC | $12 | $0 | $12 | 0.02% |
| ROBERT P FERRONE Filed as: ROBERT FERRONE | 1701 WILLIAMS CT. APT. 202 COLUMBUS, GA 31904 | AFLAC | $10 | $0 | $10 | 0.01% |
| CECIL T SALMON Filed as: CECIL SALMON | 95 EDWARD DR. PALM COAST, FL 32164 | AFLAC | $10 | $0 | $10 | 0.01% |
| ROBERT L TRAPNELL JR Filed as: ROBERT TRAPNELL JR | 15 N. INDIANS RIVER DR. APT. 705 COCOA, FL 32922 | AFLAC | $8 | $0 | $8 | 0.01% |
| VICKI M DICKERT Filed as: VICKI DICKERT | 258 SEAVIEW AVE. DAYTONA BEACH, FL 32118 | AFLAC | $6 | $0 | $6 | 0.01% |
| JAMEY MILLER INC | 4811 BEACH BLVD STE 107 JACKSONVILLE, FL 32207 | AFLAC | $3 | $0 | $3 | 0.00% |
| AARON ANTHONY | 1700 FOUNTAIN CT. APT. 1303 COLUMBUS, GA 31904 | AFLAC | $3 | $0 | $3 | 0.00% |
| DAVID RUSSELL Filed as: DAVID RUSSELL JR. | 228 CAROL DR. NEW ALEXANDRIA, PA 15670 | AFLAC | $1 | $0 | $1 | 0.00% |
| JAMES B. SEIFERT Filed as: JAMES SEIFERT | 157 MCCOY PLACE RD. SEWICKLEY, PA 15143 | AFLAC | $1 | $0 | $1 | 0.00% |
| JAMES HARRIS | 6329 RIVERMONT CT. COLUMBUS, GA 31904 | AFLAC | $1 | $0 | $1 | 0.00% |
| JOHN E HRIVNAK Filed as: JOHN HRIVNAK | 3900 INDUSTRIAL PARK DR. SUITE 11 ALTOONA, PA 16602 | AFLAC | $1 | $0 | $1 | 0.00% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INC. | 1200 PLANTATION ISLAND DR. S. #210 ST. AUGUSTINE, FL 32080 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $52 | $3K | 15.23% |
| MFB FINANCIAL DBA THE BAILEY GROUP | 1200 PLANTATION ISLAND DR. S. SUITE 210 ST. AUGUSTINE, FL 32080 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | — | $1K | 9.91% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INC. | 1200 PLANTATION ISLAND DR. S. #210 ST. AUGUSTINE, FL 32080 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $18 | $1K | 15.25% |
| MFB FINANCIAL DBA THE BAILEY GROUP | 1200 PLANTATION ISLAND DRIVE SOUTH SUITE 210 ST. AUGUSTINE, FL 32080 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $0 | — | $0 | — |
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 | 144 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 122 | $1.4M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 146 | $89K |
| Vision(2 contracts) | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 180 | $12K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 146 | $89K |
| Short-term disability | AFLAC | 69 | $80K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 15 | $7K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 40 | $22K |
| 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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.