| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES INC | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 33202 | AETNA HEALTH INC | $0 | — | $0 | 0.00% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES INC | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | AETNA LIFE INSURANCE CO | $18K | — | $18K | 8.20% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES, INC. | 1000 N ASHLEY DRIVE #110 TAMPA, FL 33602 | EYEMED VISION CARE | $3K | — | $3K | 8.78% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HARDEN & ASSOCIATES INC LIFE INS BROKER | Insurance agents and brokers Service code 22 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | $60K |
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 | 640 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 644 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA HEALTH INC | 635 | $3.4M |
| Dental | AETNA LIFE INSURANCE CO | 695 | $215K |
| Vision | EYEMED VISION CARE | 487 | $33K |
| Life insurance | AETNA LIFE INSURANCE CO | 695 | $215K |
| Prescription drug | AETNA HEALTH INC | 635 | $3.4M |
| Other | AETNA LIFE INSURANCE CO | 695 | $215K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 695 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.