| 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 | $7K | — | $7K | 10.02% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $4K | $9K | 19.75% |
| JOSEPH E HASKELL JR3 | PO BOX 440307 JACKSONVILLE, FL 32222 | AFLAC | $3K | $9 | $3K | 8.17% |
| MICHELE HASKELL3 | PO BOX 440307 JACKSONVILLE, FL 32222 | AFLAC | $1K | $79 | $1K | 3.52% |
| MARK A LINSNER3 | 153 BLANDING BLVD STE 3 ORANGE PARK, FL 32073 | AFLAC | $306 | — | $306 | 0.84% |
| DAVID MARKS3 | 4021 WE HECK CT BLDG J BATON ROUGE, LA 70816 | AFLAC | $229 | — | $229 | 0.63% |
| MARK A LINSNER3 | 10175 FORTUNE PKWY UNIT 604 JACKSONVILLE, FL 32256 | AFLAC | $166 | $18 | $184 | 0.51% |
| JEREMY M HASKELL3 | PO BOX 3274 OCALA, FL 34478 | AFLAC | $139 | — | $139 | 0.38% |
| BRENDA D KEARLEY3 | 5964 COVERED CREEK LN JACKSONVILLE, FL 32277 | AFLAC | $133 | — | $133 | 0.37% |
| TROY DANIEL DESLATTE3 | 107 SHADY PARK DR LAFAYETTE, LA 70508 | AFLAC | $103 | — | $103 | 0.28% |
| JOSEPH E HASKELL III3 | 112 BRAYS ISLAND LANE ST AUGUSTINE, FL 32092 | AFLAC | $93 | — | $93 | 0.26% |
| J C ADAMS INC3 Filed as: JC ADAMS INC | 5631 NE 31ST TERRACE OCALA, FL 34479 | AFLAC | $90 | — | $90 | 0.25% |
| BRANDON C ADAMS3 | 74 CROWN COLONY ROAD ST AUGUSTINE, FL 32092 | AFLAC | $71 | — | $71 | 0.20% |
| JAVIER LORENZO SOTO3 | 3636 KINGSHILL RD MOUNTAIN BRK, AL 35223 | AFLAC | $26 | $17 | $43 | 0.12% |
| KELLY D DUANE3 | 3326 HERMITAGE RD E JACKSONVILLE, FL 32277 | AFLAC | $29 | — | $29 | 0.08% |
| RICHARD RUSSELL HOGAN3 | 263 OSCAR KILPATRICK RD GIBSLAND, LA 71028 | AFLAC | $25 | — | $25 | 0.07% |
| JIMMY LEON JOHNSON3 | 1005 BELLA VISTA BLVD APT 119 ST AUGUSTINE, FL 32084 | AFLAC | $24 | — | $24 | 0.07% |
| GEORGE H REYNOLDS III3 | 5928 ROARING BRANCH RD COLUMBUS, GA 31904 | AFLAC | $22 | — | $22 | 0.06% |
| JEFFREY M SINTAY3 | 1972 ALCOVA RIDGE DR COLUMBUS, GA 31904 | AFLAC | $17 | — | $17 | 0.05% |
| SANDY KNOWLES INS SERVICES INC3 | 95042 LAVENDER LN FERNANDINA BEACH, FL 32034 | AFLAC | $17 | — | $17 | 0.05% |
| ROBERT P FERRONE3 | 1701 WILLIAMS CT APT 202 COLUMBUS, GA 31904 | AFLAC | $15 | — | $15 | 0.04% |
| DAVID K MOBLEY3 | 3812 VALVERDE CIR JACKSONVILLE, FL 32224 | AFLAC | $15 | — | $15 | 0.04% |
| BETH LUANNE KIMBROUGH3 | 6750 N ANDREWS AVE STE 200 FT LAUDERDALE, FL 33309 | AFLAC | $13 | — | $13 | 0.04% |
| TORI SOMSAK3 | 12800 UNF DR #4308 JACKSONVILLE, FL 32224 | AFLAC | $9 | — | $9 | 0.02% |
| JAMES R MIRABELLI3 | 21426 GOSIER WAY BOCA RATON, FL 33428 | AFLAC | $9 | — | $9 | 0.02% |
| GEORGE H REYNOLDS III3 | 6724 GREEN ISLAND DR COLUMBUSON, GA 31904 | AFLAC | $8 | — | $8 | 0.02% |
| ANNETTE G BRAITHWAITE3 | 11160 LOTHMORE RD JACKSONVILLE, FL 32221 | AFLAC | $7 | — | $7 | 0.02% |
| AARON ANTHONY3 | 1700 FOUNTAIN CT APT 1303 COLUMBUS, GA 31904 | AFLAC | $6 | — | $6 | 0.02% |
| VICKI M DICKERT3 | 258 SEAVIEW AVE DAYTONA BEACH, FL 32118 | AFLAC | $6 | — | $6 | 0.02% |
| CECIL T SALMON3 | 95 EDWARD DR PALM COAST, FL 32164 | AFLAC | $5 | — | $5 | 0.01% |
| THOMAS JAMES OLLER3 | 49 SWIMMING PEN DR MIDDLEDBURG, FL 32068 | AFLAC | $2 | — | $2 | 0.01% |
| THOMAS JAMES OLLER3 | 2410 SOUTHERN LINKS DR FLEMING ISLAND, FL 32003 | AFLAC | $1 | — | $1 | 0.00% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $2K | $4K | 19.50% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN AND ASSOCIATES INC | 501 RIVERSIDE AVE SUITE 1000 JACKSONVILLE, FL 32202 | FIDELITY SECURITY LIFE INSURANCE COMPANY - EYEMED | $2K | — | $2K | 9.37% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $2K | $3K | 20.14% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $919 | $981 | $2K | 20.67% |
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 | 154 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 218 | $71K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY - EYEMED | 199 | $19K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 144 | $30K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 81 | $43K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 144 | $17K |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 144 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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.