| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC | 1200 PLANTATION ISLAND DRIVE SUITE 210 ST. AUGUSTINE, FL 32080 | HEALTH OPTIONS | $74K | — | $74K | 5.00% |
| SUSAN KNIGHT INS SERV INC | 2703 OCEAM DR S 2ND FL JACKSONVILLE, FL 32250 | AFLAC | $8K | $414 | $9K | 9.36% |
| DAVID ABOULAFIA | 1 SPENCER ST SAINT AUGUSTINE, FL 32084 | AFLAC | $2K | $83 | $3K | 2.76% |
| JAMEY MILLER INC | 10375 N CENTURION PARKWAY STE 100 JACKSONVILLE, FL 32256 | AFLAC | $764 | $8 | $772 | 0.84% |
| KENNETH FRANK JR | 8091 SIERRA OAKS BLVD JACKSONVILLE, FL 32219 | AFLAC | $561 | $0 | $561 | 0.61% |
| DAVID MARKS | 4021 WE HECK CT STE J BATON ROUGE, LA 70816 | AFLAC | $541 | $0 | $541 | 0.59% |
| MICHAEL MCDONALD | 7111 GLENDYNE DR S JACKSONVILLE, FL 32216 | AFLAC | $358 | $0 | $358 | 0.39% |
| MARK A LINSNER Filed as: MARK LINSNER | 153 BLANDING BLVD STE 3 ORANGE PARK, FL 32073 | AFLAC | $243 | $84 | $327 | 0.36% |
| JOSEPH E HASKELL JR Filed as: JOSEPH HASKELL JR | PO BOX 440307 JACKSONVILLE, FL 32222 | AFLAC | $237 | $46 | $283 | 0.31% |
| GARY JORDAN | 1 SPENCER ST ST. AUGUSTINE, FL 32084 | AFLAC | $121 | $0 | $121 | 0.13% |
| MICHELE HASKELL | PO BOX 440307 JACKSONVILLE, FL 32222 | AFLAC | $75 | $9 | $84 | 0.09% |
| BETH LUANNE KIMBROUGH Filed as: BETH KIMBROUGH | 6750 N ANDREWS AVE STE 200 FT LAUDERDALE, FL 33309 | AFLAC | $72 | $0 | $72 | 0.08% |
| J C ADAMS INC | 5631 NE 31ST TER OCALA, FL 34479 | AFLAC | $70 | $0 | $70 | 0.08% |
| MARK HANNAH | 3025 TOWNSEND BLVD JACKSONVILLE, FL 32277 | AFLAC | $57 | $0 | $57 | 0.06% |
| GEORGE H REYNOLDS III Filed as: GEORGE REYNOLDS III | 5928 ROARING BRANCH RD COLUMBUS, GA 31904 | AFLAC | $55 | $0 | $55 | 0.06% |
| CHRIS GUZEWICH | 1007 DRAKEFEATHER DR ORANGE PARK, FL 32065 | AFLAC | $50 | $0 | $50 | 0.05% |
| DAVID K MOBLEY Filed as: DAVID MOBLEY | 3812 VALVERDE CIR JACKSONVILLE, FL 32224 | AFLAC | $47 | $0 | $47 | 0.05% |
| TROY DANIEL DESLATTE Filed as: TROY DESLATTE | 107 SHADY PARK DR LAFAYETTE, LA 70508 | AFLAC | $44 | $0 | $44 | 0.05% |
| BRANDON C ADAMS Filed as: BRANDON ADAMS | 74 CROWN COLONY RD SAINT AUGUSTINE, FL 32092 | AFLAC | $42 | $0 | $42 | 0.05% |
| AARON R MOBLEY Filed as: AARON MOBLEY | 12 SEATROUT ST PONTE VEDRA BEACH, FL 32082 | AFLAC | $31 | $0 | $31 | 0.03% |
| JAMES R MIRABELLI Filed as: JAMES MIRABELLI | 801 BRINY AVE APT 1403 POMPANO BEACH, FL 33062 | AFLAC | $28 | $0 | $28 | 0.03% |
| JIMMY D BOONE Filed as: JIMMY BOONE | 5346 DOMINICA CIR SARASOTA, FL 34233 | AFLAC | $28 | $0 | $28 | 0.03% |
| BRENDA D KEARLEY Filed as: BRENDA KEARLEY | 5964 COVERED CREEK LN JACKSONVILLE, FL 32277 | AFLAC | $26 | $0 | $26 | 0.03% |
| THOMAS JAMES OLLER Filed as: THOMAS OLLER | 2410 SOUTHERN LINKS DR FLEMING ISLAND, FL 32003 | AFLAC | $19 | $0 | $19 | 0.02% |
| ROBERT P FERRONE Filed as: ROBERT FERRONE | 1701 WILLIAMS CT APT 202 COLUMBUS, GA 31904 | AFLAC | $14 | $0 | $14 | 0.02% |
| CECIL T SALMON Filed as: CECIL SALMON | 95 EDWARDS DR PALM COAST, FL 32164 | AFLAC | $13 | $0 | $13 | 0.01% |
| JIMMY LEON JOHNSON Filed as: JIMMY JOHNSON | 1005 BELLA VISTA BLVD APT 119 ST AUGUSTINE, FL 32084 | AFLAC | $13 | $0 | $13 | 0.01% |
| RICHARD RUSSELL HOGAN Filed as: RICHARD HOGAN | 406 TREMONT DR RUSTON, LA 71270 | AFLAC | $12 | $0 | $12 | 0.01% |
| TERRY SIMS | 2899 COUNTRY CLUB BLVD ORANGE PARK, FL 32073 | AFLAC | $12 | $0 | $12 | 0.01% |
| MICHAEL HIGGINS | 1003 DRAKEFEATHER DR ORANGE PARK, FL 32065 | AFLAC | $12 | $0 | $12 | 0.01% |
| VICKI M DICKERT Filed as: VICKI DICKERT | 258 SEAVIEW AVE DAYTONA BEACH, FL 32118 | AFLAC | $8 | $0 | $8 | 0.01% |
| ROBERT L TRAPNELL JR Filed as: ROBERT TRAPNELL JR | 15 N INDIAN RIVER DR APT 705 COCOA, FL 32922 | AFLAC | $8 | $0 | $8 | 0.01% |
| AARON ANTHONY | 1700 FOUNTAIN CT APT 1303 COLUMBUS, GA 31904 | AFLAC | $4 | $0 | $4 | 0.00% |
| JAMES HARRIS | 6329 RIVERMONT CT COLUMBUS, GA 31904 | AFLAC | $1 | $0 | $1 | 0.00% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE #210 ST. AUGUSTINE, FL 32080 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $5K | $15K | 22.16% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC | 1200 PLANTATION ISLAND DRIVE SUITE 210 ST. AUGUSTINE, FL 32080 | BLUE CROSS BLUE SHIELD OF FLORIDA | $1K | — | $1K | 5.00% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE #210 ST. AUGUSTINE, FL 32080 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $815 | $5K | 17.91% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DRIVE SUITE 210 ST. AUGUSTINE, FL 32080 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $579 | $6K | 22.04% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $289 | $289 | 1.14% |
| MFB FINANCIAL INC Filed as: MFB FINANCIAL DBA BAILEY GROUP | 1200 PLANTATION ISLAND DRIVE S SUITE 210 ST. AUGUSTINE, FL 32080 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | — | $1K | 10.00% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE #210 ST. AUGUSTINE, FL 32080 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $139 | $2K | 16.46% |
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 | 147 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 112 | $1.5M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 141 | $67K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 172 | $12K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 147 | $25K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 48 | $28K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 17 | $10K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS | 112 | $1.5M |
| Other(2 contracts, 2 carriers) | AFLAC | 147 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.