| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE S STE 210 ST. AUGUSTINE, FL 32080 | HEALTH OPTIONS | $73K | — | $73K | 5.00% |
| SUSAN KNIGHT INS SERV INC | 2703 OCEAN DR S 2ND FL JACKSONVILLE, FL 32250 | AFLAC | $6K | $577 | $6K | 6.54% |
| SUSAN KNIGHT INS SERV INC | 2703 OCEAN DR S JACKSONVILLE, FL 32250 | AFLAC | $2K | — | $2K | 1.88% |
| JAMES MILLER Filed as: JAMES MILLER INC | 10375 CENTURION PKWY N STE 100 JACKSONVILLE, FL 32256 | AFLAC | $792 | $115 | $907 | 0.94% |
| DAVID ABOULAFIA Filed as: DAVID SCOTT ABOULAFIA | 1 SPENCER ST SAINT AUGUSTINE, FL 32084 | AFLAC | $897 | — | $897 | 0.93% |
| AARON R MOBLEY | 12 SEATROUT ST PONTE VEDRA BEACH, FL 32082 | AFLAC | $858 | $13 | $871 | 0.90% |
| DAVID ABOULAFIA | 1 SPENCER ST SAINT AUGUSTINE, FL 32084 | AFLAC | $565 | $102 | $667 | 0.69% |
| KENNETH FRANK JR | 8091 SIERRA OAKS BLVD JACKSONVILLE, FL 32219 | AFLAC | $541 | — | $541 | 0.56% |
| DAVID MARKS | 4021 WE HECK CT STE J BATON ROUGE, LA 70816 | AFLAC | $488 | — | $488 | 0.50% |
| MICHAEL MCDONALD Filed as: MICHAEL K MCDONALD | 7111 GLENDYNE DR S JACKSONVILLE, FL 32216 | AFLAC | $391 | — | $391 | 0.40% |
| MARK A LINSNER | 153 BLANDING BLVD STE 3 ORANGE PARK, FL 32073 | AFLAC | $146 | — | $146 | 0.15% |
| GARY JORDAN Filed as: GARY W JORDAN | 127 COLORADO SPRINGS WAY ST AUGUSTINE, FL 32092 | AFLAC | $116 | — | $116 | 0.12% |
| BETH LUANNE KIMBROUGH | 6750 N ANDREWS AVE STE 200 FT LAUDERDALE, FL 33309 | AFLAC | $67 | — | $67 | 0.07% |
| J C ADAMS INC | 5631 NE 31ST TER OCALA, FL 34479 | AFLAC | $67 | — | $67 | 0.07% |
| MARK HANNAH | 3025 TOWNSEND BLVD JACKSONVILLE, FL 32277 | AFLAC | $57 | — | $57 | 0.06% |
| GEORGE H REYNOLDS III | 5928 ROARING BRANCH RD COLUMBUS, GA 31904 | AFLAC | $55 | — | $55 | 0.06% |
| CHRIS GUZEWICH | 1007 DRAKEFEATHER DR ORANGE PARK, FL 32065 | AFLAC | $50 | — | $50 | 0.05% |
| TROY DANIEL DESLATTE | 107 SHADY PARK DR LAFAYETTE, LA 70508 | AFLAC | $49 | — | $49 | 0.05% |
| JOSEPH E HASKELL JR Filed as: JOSEPH H HASKELL JR | PO BOX 440307 JACKSONVILLE, FL 32222 | AFLAC | $49 | — | $49 | 0.05% |
| DAVID K MOBLEY | 3812 VALVERDE CIR JACKSONVILLE, FL 32224 | AFLAC | $47 | — | $47 | 0.05% |
| BRANDON C ADAMS | 74 CROWN COLONY RD SAINT AUGUSTINE, FL 32092 | AFLAC | $40 | — | $40 | 0.04% |
| MICHELE HASKELL | PO BOX 440307 JACKSONVILLE, FL 32222 | AFLAC | $36 | — | $36 | 0.04% |
| JIMMY D BOONE | 5346 DOMINICA CIR SARASOTA, FL 34233 | AFLAC | $28 | — | $28 | 0.03% |
| BRENDA D KEARLEY | 5964 COVERED CREEK LN JACKSONVILLE, FL 32277 | AFLAC | $26 | — | $26 | 0.03% |
| JAMES R MIRABELLI | 801 BRINY AVE APT 1403 POMPANO BEACH, FL 33062 | AFLAC | $25 | — | $25 | 0.03% |
| THOMAS JAMES OLLER | 2410 SOUTHERN LINKS DR FLEMING ISLAND, FL 32003 | AFLAC | $19 | — | $19 | 0.02% |
| JIMMY LEON JOHNSON | 40 AVERY ST SAINT AUGUSTINE, FL 32084 | AFLAC | $16 | — | $16 | 0.02% |
| KENNETH FRANK JR Filed as: KENNETH F FRANK JR | 8091 SIERRA OAKS BLVD JACKSONVILLE, FL 32219 | AFLAC | $16 | — | $16 | 0.02% |
| ROBERT P FERRONE | 8168 CENTRAL PARK WAY N APT 202 MAPLE GROVE, ME 55369 | AFLAC | $14 | — | $14 | 0.01% |
| MARIE MICHELE HASKELL | PO BOX 440307 JACKSONVILLE, FL 32222 | AFLAC | $14 | — | $14 | 0.01% |
| RICHARD RUSSELL HOGAN | 406 TREMONT DR RUSTON, LA 71270 | AFLAC | $12 | — | $12 | 0.01% |
| TERRY SIMS | 2899 COUNTRY CLUB BLVD ORANGE PARK, FL 32073 | AFLAC | $12 | — | $12 | 0.01% |
| MICHAEL RAYMOND HIGGINS | 1003 DRAKEFEATHER DR ORANGE PARK, FL 32065 | AFLAC | $12 | — | $12 | 0.01% |
| CECIL T SALMON | 95 EDWARD DR PALM COAST, FL 32164 | AFLAC | $11 | — | $11 | 0.01% |
| VICKI M DICKERT | 258 SEAVIEW AVE DAYTONA BEACH, FL 32118 | AFLAC | $8 | — | $8 | 0.01% |
| ROBERT L TRAPNELL JR | 15 N INDIAN RIVER DR APT 705 COCOA, FL 32922 | AFLAC | $8 | — | $8 | 0.01% |
| AARON ANTHONY | 1700 FOUNTAIN CT APT 1303 COLUMBUS, GA 31904 | AFLAC | $3 | — | $3 | 0.00% |
| JAMES (JAY) GRIMES Filed as: JAMES R HARRIS | 6329 RIVERMONT CT COLUMBUS, GA 31904 | AFLAC | $1 | — | $1 | 0.00% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC | 1200 PLANTATION ISLAND DR S STE 210 SAINT AUGUSTINE, FL 320803115 | FLORIDA COMBINED LIFE | $13K | — | $13K | 16.40% |
| FLORIDA BLUE Filed as: SCOTT, MARION FLORIDA BLUE | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $647 | — | $647 | 0.80% |
| FLORIDA BLUE Filed as: METZKES, CHARLES FLORIDA BLUE | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $485 | — | $485 | 0.60% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC | 1200 PLANTATION ISLAND DRIVE S STE 210 ST. AUGUSTINE, FL 32080 | BLUE CROSS BLUE SHIELD OF FLORIDA | $1K | — | $1K | 5.00% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR SUITE 210 ST AUGUSTINE, FL 32080 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $993 | $5K | 18.85% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE SUITE 210 ST. AUGUSTINE, FL 32080 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $2K | $6K | 32.11% |
| MFB FINANCIAL INC3 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 | 10.04% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE SUITE 210 ST AUGUSTINE, FL 32080 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $1K | $3K | 32.08% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR SUITE 210 ST AUGUSTINE, FL 32080 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $464 | $2K | 20.99% |
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 | 141 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 122 | $1.5M |
| Dental | FLORIDA COMBINED LIFE | 136 | $81K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 162 | $12K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 141 | $29K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 39 | $26K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 21 | $8K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS | 122 | $1.5M |
| Other(2 contracts, 2 carriers) | AFLAC | 141 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 162 | — |
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.