| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES, INC. | 501 RIVERSIDE AVENUE, STE 1000 JACKSONVILLE, FL 32202 | UNION SECURIY INSURANCE COMPANY | $7K | $1K | $8K | 11.80% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $2K | $7K | 13.84% |
| MICHELE HASKELL3 | PO BOX 440307 JACKSONVILLE, FL 32222 | AFLAC | $3K | $35 | $3K | 7.21% |
| JOSEPH E HASKELL JR3 | PO BOX 440307 JACKSONVILLE, FL 32222 | AFLAC | $2K | $175 | $2K | 4.25% |
| MARK A LINSNER3 | 153 BLANDING BLVD STE 3 ORANGE PARK, FL 32073 | AFLAC | $649 | $35 | $684 | 1.70% |
| MARIE MICHELE HASKELL3 | PO BOX 440307 JACKSONVILLE, FL 32222 | AFLAC | $247 | — | $247 | 0.62% |
| DAVID MARKS3 | 4021 WE HECK CT STE J BATON ROUGE, LA 70816 | AFLAC | $149 | — | $149 | 0.37% |
| JEREMY M HASKELL3 | 2150 COUNTRY CLUB RD STE 228 WINSTON SALEM, NC 27104 | AFLAC | $125 | — | $125 | 0.31% |
| BRENDA D KEARLEY3 | 5964 COVERED CREEK LN JACKSONVILLE, FL 32277 | AFLAC | $120 | — | $120 | 0.30% |
| TROY DANIEL DESLATTE3 | 107 SHADY PARK DR LAFAYETTE, LA 70508 | AFLAC | $95 | — | $95 | 0.24% |
| DAVID MARKS3 | 4021 WE HECK CT BLDG J BATON ROUGE, LA 70816 | AFLAC | $87 | — | $87 | 0.22% |
| JOSEPH E HASKELL III3 | 112 BRAYS ISLAND LN ST AUGUSTINE, FL 32092 | AFLAC | $85 | — | $85 | 0.21% |
| J C ADAMS INC3 | 5631 NE 31ST TER OCALA, FL 34479 | AFLAC | $82 | — | $82 | 0.20% |
| BRANDON C ADAMS3 | 74 CROWN COLONY RD SAINT AUGUSTINE, FL 32092 | AFLAC | $64 | — | $64 | 0.16% |
| KELLY D DUANE3 | 3326 HERMITAGE RD E JACKSONVILLE, FL 32277 | AFLAC | $54 | — | $54 | 0.13% |
| GEORGE H REYNOLDS III3 | 5928 ROARING BRANCH RD COLUMBUS, GA 31904 | AFLAC | $25 | — | $25 | 0.06% |
| RICHARD RUSSELL HOGAN3 | 406 TREMONT DR RUSTON, LA 71270 | AFLAC | $23 | — | $23 | 0.06% |
| JIMMY LEON JOHNSON3 | 40 AVERY ST SAINT AUGUSTINE, FL 32084 | AFLAC | $22 | — | $22 | 0.05% |
| SANDY KNOWLES INS SERVICES INC3 | 95042 LAVENDER LN FERNANDINA BEACH, FL 32034 | AFLAC | $15 | — | $15 | 0.04% |
| THOMAS JAMES OLLER3 | 2410 SOUTHERN LINKS DR FLEMING ISLAND, FL 32003 | AFLAC | $14 | — | $14 | 0.03% |
| DAVID K MOBLEY3 | 3812 VALVERDE CIR JACKSONVILLE, FL 32224 | AFLAC | $14 | — | $14 | 0.03% |
| ROBERT P FERRONE3 | 8168 CENTRAL PARKWAY N APT 202 MAPLE GROVE, MN 55369 | AFLAC | $14 | — | $14 | 0.03% |
| BETH LUANNE KIMBROUGH3 | 6750 N ANDREWS AVE STE 200 FT LAUDERDALE, FL 33309 | AFLAC | $12 | — | $12 | 0.03% |
| JEFFREY M SINTAY3 | 1972 ALCOVA RIDGE DR LAS VEGAS, NC 89135 | AFLAC | $11 | — | $11 | 0.03% |
| JAMES R MIRABELLI3 | 801 BRINY AVE APT 1403 POMPANO BEACH, FL 33062 | AFLAC | $10 | — | $10 | 0.02% |
| CECIL T SALMON3 | 95 EDWARD DR PALM COAST, FL 32164 | AFLAC | $6 | — | $6 | 0.01% |
| ANNETTE G BRAITHWAITE3 | 11160 LOTHMORE RD JACKSONVILLE, FL 32221 | AFLAC | $6 | — | $6 | 0.01% |
| AARON ANTHONY3 | 1700 FOUNTAIN CT APT 1303 COLUMBUS, GA 31904 | AFLAC | $5 | — | $5 | 0.01% |
| VICKI M DICKERT3 | 258 SEAVIEW AVE DAYTONA BEACH, FL 32118 | AFLAC | $5 | — | $5 | 0.01% |
| JAVIER LORENZO SOTO3 | 3636 KINGSHILL RD MOUNTAIN BRK, AL 35223 | AFLAC | $4 | — | $4 | 0.01% |
| JEFFREY M SINTAY3 | 2685 S RAINBOW BLVD STE 200 LAS VEGAS, NV 89146 | AFLAC | $4 | — | $4 | 0.01% |
| JAVIER LORENZO SOTO3 | 130 E HAWTHORNE RD HOMEWOOD, AL 35209 | AFLAC | $1 | — | $1 | 0.00% |
| JAMES (JAY) GRIMES3 Filed as: JAMES R HARRIS | 6329 RIVERMONT CT COLUMBUS, GA 31904 | AFLAC | $1 | — | $1 | 0.00% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $999 | $4K | 13.79% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $804 | $3K | 13.81% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN AND ASSOCIATES INC | 501 RIVERSIDE AVE SUITE 1000 JACKSONVILLE, FL 32202 | FIDELITY SECURITY LIFE INSURANCE COMPANY - EYEMED | $1K | — | $1K | 9.87% |
| ASSUREX3 Filed as: ASSUREX GLOBAL CORPORATE | 175 SOUTH THIRD ST, STE 800 COLUMBUS, OH 43215 | FIDELITY SECURITY LIFE INSURANCE COMPANY - EYEMED | $67 | — | $67 | 0.49% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $437 | $2K | 13.82% |
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 | 151 | 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) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNION SECURIY INSURANCE COMPANY | 114 | $71K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY - EYEMED | 204 | $14K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 151 | $38K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 84 | $54K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 151 | $21K |
| Other(5 contracts, 3 carriers) | UNION SECURIY INSURANCE COMPANY | 151 | $203K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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.