| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES, INC. | 501 RIVERSIDE AVENUE, STE 1000 JACKSONVILLE, FL 32202 | UNITED CONCORDIA INSURANCE COMPANY | $6K | — | $6K | 10.21% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| MICHELE HASKELL3 | PO BOX 440307 JACKSONVILLE, FL 32222 | AFLAC | $2K | — | $2K | 5.90% |
| JOSEPH E HASKELL JR3 | PO BOX 440307 JACKSONVILLE, FL 32222 | AFLAC | $2K | $62 | $2K | 4.51% |
| MARK A LINSNER3 | 10175 FORTUNE PKWY UNIT 604 JACKSONVILLE, FL 32256 | AFLAC | $483 | $12 | $495 | 1.42% |
| DAVID MARKS3 | 4021 W E HECK CT BLDD J BATON ROUGE, LA 70816 | AFLAC | $466 | $12 | $478 | 1.37% |
| JEREMY M HASKELL3 | PO BOX 3274 OCALA, FL 34478 | AFLAC | $162 | — | $162 | 0.47% |
| BRENDA D KEARLEY3 | 5964 COVERED CREEK LN JACKSONVILLE, FL 32277 | AFLAC | $148 | — | $148 | 0.43% |
| TROY DANIEL DESLATTE3 | 107 SHADY PARK DR LAFAYETTE, LA 70508 | AFLAC | $117 | — | $117 | 0.34% |
| J C ADAMS INC3 Filed as: JC ADAMS INC | 5631 NE 31ST TERRACE OCALA, FL 34479 | AFLAC | $100 | — | $100 | 0.29% |
| JOSEPH E HASKELL III3 | 112 BRAYS ISLAND LANE ST AUGUSTINE, FL 32092 | AFLAC | $100 | — | $100 | 0.29% |
| BRANDON C ADAMS3 | 321 SOUTHLAKE DR ST AUGUSTINE, FL 32092 | AFLAC | $84 | — | $84 | 0.24% |
| GEORGE H REYNOLDS III3 | 5928 ROARING BRANCH RD COLUMBUS, GA 31904 | AFLAC | $54 | — | $54 | 0.16% |
| BETH LUANNE KIMBROUGH3 | 6750 M AMDREWS AVE SITE 200 FL LAUDERDALE, FL 33309 | AFLAC | $24 | $13 | $37 | 0.11% |
| KELLY D DUANE3 | 3326 HERMITAGE RD E JACKSONVILLE, FL 32277 | AFLAC | $31 | — | $31 | 0.09% |
| RICHARD RUSSELL HOGAN3 | 406 TREMONT DRIVE RUSTON, LA 71270 | AFLAC | $28 | — | $28 | 0.08% |
| SANDY KNOWLES INS SERVICES INC3 Filed as: SANDY KNOWLES INS SERVICE INC | 861536 WORTHINGTON DRIVE YULEE, FL 32097 | AFLAC | $17 | — | $17 | 0.05% |
| DAVID K MOBLEY3 | 3812 VALVERDE CIRCLE JACKSONVILLE, FL 32224 | AFLAC | $16 | — | $16 | 0.05% |
| ANNETTE G BRAITHWAITE3 | 11160 LOTHMORE RED JACKSONVILLE, FL 32003 | AFLAC | $8 | — | $8 | 0.02% |
| THOMAS JAMES OLLER3 | 2010 COPPER CREEK DR UNIT C FLEMING ISLAND, FL 32221 | AFLAC | $5 | — | $5 | 0.01% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN AND ASSOCIATES INC | 501 RIVERSIDE AVE SUITE 1000 JACKSONVILLE, FL 32202 | HUMANA INSURANCE COMPANY | $2K | $377 | $2K | 17.70% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $746 | — | $746 | 10.00% |
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 | 139 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 207 | $55K |
| Vision | HUMANA INSURANCE COMPANY | 81 | $12K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 141 | $25K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 78 | $43K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 141 | $14K |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 141 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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.