| 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 | $8K | — | $8K | 11.91% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $2K | $6K | 14.56% |
| MICHELE HASKELL3 | PO BOX 440307 JACKSONVILLE, FL 32222 | AFLAC | $2K | $116 | $2K | 6.16% |
| JOSEPH E HASKELL JR3 | PO BOX 440307 JACKSONVILLE, FL 32222 | AFLAC | $1K | $13 | $1K | 3.80% |
| MARK A LINSNER3 | 10175 FORTUNE PKWY UNIT 604 JACKSONVILLE, FL 32256 | AFLAC | $375 | $26 | $401 | 1.22% |
| JAVIER LORENZO SOTO3 | 3636 KINGSHILL RD MOUNTAIN BRK, AL 35223 | AFLAC | $265 | — | $265 | 0.81% |
| DAVID MARKS3 | 4021 W E HECK CT BLDD J BATON ROUGE, LA 70816 | AFLAC | $220 | $26 | $246 | 0.75% |
| JEREMY M HASKELL3 | PO BOX 3274 OCALA, FL 34478 | AFLAC | $131 | — | $131 | 0.40% |
| BRENDA D KEARLEY3 | 5964 COVERED CREEK LN JACKSONVILLE, FL 32277 | AFLAC | $122 | — | $122 | 0.37% |
| TROY DANIEL DESLATTE3 | 107 SHADY PARK DR LAFAYETTE, LA 70508 | AFLAC | $97 | — | $97 | 0.30% |
| JOSEPH E HASKELL III3 | 112 BRAYS ISLAND LANE ST AUGUSTINE, FL 32092 | AFLAC | $85 | — | $85 | 0.26% |
| J C ADAMS INC3 Filed as: JC ADAMS INC | 5631 NE 31ST TERRACE OCALA, FL 34479 | AFLAC | $83 | — | $83 | 0.25% |
| BRANDON C ADAMS3 | 74 CROWN COLONY ROAD ST AUGUSTINE, FL 32092 | AFLAC | $70 | — | $70 | 0.21% |
| JAVIER LORENZO SOTO3 | 160 EDGE OF WOODS RD ST AUGUSTINE, FL 32092 | AFLAC | $61 | — | $61 | 0.19% |
| GEORGE H REYNOLDS III3 | 6724 GREEN ISLAND DR COLUMBUS, GA 31904 | AFLAC | $42 | — | $42 | 0.13% |
| KELLY D DUANE3 | 3326 HERMITAGE RD E JACKSONVILLE, FL 32277 | AFLAC | $26 | — | $26 | 0.08% |
| RICHARD RUSSELL HOGAN3 | 406 TREMONT DRIVE RUSTON, LA 71270 | AFLAC | $23 | — | $23 | 0.07% |
| SANDY KNOWLES INS SERVICES INC3 Filed as: SANDY KNOWLES INS SERVICE INC | 95042 LAVENDER LN FERNANDINA BEACH, FL 32034 | AFLAC | $15 | — | $15 | 0.05% |
| DAVID K MOBLEY3 | 3812 VALVERDE CIRCLE JACKSONVILLE, FL 32224 | AFLAC | $14 | — | $14 | 0.04% |
| BETH LUANNE KIMBROUGH3 | 6750 M AMDREWS AVE SITE 200 FL LAUDERDALE, FL 33309 | AFLAC | $12 | — | $12 | 0.04% |
| ANNETTE G BRAITHWAITE3 | 11160 LOTHMORE RD JACKSONVILLE, FL 32003 | AFLAC | $6 | — | $6 | 0.02% |
| JIMMY LEON JOHNSON3 | 28 MAGNOLIA AVE ST AGUSTINE, FL 32084 | AFLAC | $6 | — | $6 | 0.02% |
| JEFFREY M SINTAY3 | 1972 ALCOVA RIDGE DR LAS VEGAS, NV 89135 | AFLAC | $4 | — | $4 | 0.01% |
| GEORGE H REYNOLDS III3 | 5928 ROARING BRANCH RD COLUMBUS, GA 31904 | AFLAC | $4 | — | $4 | 0.01% |
| ROBERT P FERRONE3 | 1701 WILLIAMS CT APT 202 COLUMBUS, GA 31904 | AFLAC | $4 | — | $4 | 0.01% |
| JAMES R MIRABELLI3 | 99 SW MIZNER BLVD APT 843 BOCA RATON, FL 33432 | AFLAC | $3 | — | $3 | 0.01% |
| THOMAS JAMES OLLER3 | 2010 COPPER CREEK DR UNIT C FLEMING ISLAND, FL 32221 | AFLAC | $2 | — | $2 | 0.01% |
| VICKI M DICKERT3 | 258 SEAVIEW AVE DAYTONA BEACH, FL 32118 | AFLAC | $2 | — | $2 | 0.01% |
| AARON ANTHONY3 | 5 POINTER CT COLUMBUS, GA 31909 | AFLAC | $2 | — | $2 | 0.01% |
| CECIL T SALMON3 | 95 EDWARD DR PALM COAST, FL 32164 | AFLAC | $2 | — | $2 | 0.01% |
| THOMAS JAMES OLLER3 | 49 SWIMMING PEN DR MIDDLEDBURG, FL 32068 | AFLAC | $1 | — | $1 | 0.00% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $848 | $3K | 14.03% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $663 | $2K | 13.67% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $354 | $1K | 13.43% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN AND ASSOCIATES INC | 501 RIVERSIDE AVE SUITE 1000 JACKSONVILLE, FL 32202 | FIDELITY SECURITY LIFE INSURANCE COMPANY - EYEMED | $685 | — | $685 | 7.46% |
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 | 137 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 236 | $64K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY - EYEMED | 181 | $9K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 137 | $31K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 76 | $45K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 137 | $18K |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 137 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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.