| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARDEN & ASSOCIATES3 Filed as: HARDEN AND ASSOCIATES INC | 501 RIVERSIDE AVE SUITE 1000 JACKSONVILLE, FL 32202 | BLUE CROSS BLUE SHIELD OF FLORIDA INC | $39K | — | $39K | 4.00% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $1K | $6K | 9.81% |
| RYAN C. DURRENCE3 Filed as: RYAN C DURRENCE | 1550 CHELSEA PLACE ORANGE PARK, FL 32073 | AMERICAN HERITAGE LIFE INSURANCE | $16K | — | $16K | 26.64% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES INC | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | AMERICAN HERITAGE LIFE INSURANCE | $11K | — | $11K | 17.68% |
| ALLISON JAMIE TAMARES3 Filed as: ALLISON J TAMARES | 9041 COUNTRY MILL LANE JACKSONVILLE, FL 32222 | AMERICAN HERITAGE LIFE INSURANCE | $49 | — | $49 | 0.08% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP | 1350 S BOULDER #300 TULSA, OK 74119 | AMERICAN HERITAGE LIFE INSURANCE | $30 | — | $30 | 0.05% |
| RANDALL HALLMAN3 Filed as: RANDALL L HALLMAN | 2632 LOOPRIDGE DR ORANGE PARK, FL 32065 | AMERICAN HERITAGE LIFE INSURANCE | $23 | — | $23 | 0.04% |
| DIANNA LYN CHAMBERS3 | 3022 MORNING SUN DR MIDDLEBURG, FL 32068 | AMERICAN HERITAGE LIFE INSURANCE | $8 | — | $8 | 0.01% |
| SHAWN FLEMING3 | P O BOX 5673 DESTIN, FL 32540 | AMERICAN HERITAGE LIFE INSURANCE | $7 | — | $7 | 0.01% |
| CARLA RAZURI3 | 102 SYLVAN GLEN SAN MATEO, FL 32187 | AMERICAN HERITAGE LIFE INSURANCE | $5 | — | $5 | 0.01% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $682 | $3K | 17.12% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN AND ASSOCIATES INC | 501 RIVERSIDE AVE SUITE 1000 JACKSONVILLE, FL 32202 | HUMANA INSURANCE COMPANY | $1K | $143 | $1K | 12.04% |
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 | 204 | 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) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA INC | 201 | $970K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 191 | $66K |
| Vision | HUMANA INSURANCE COMPANY | 95 | $11K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 50 | $16K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 50 | $16K |
| Other(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA INC | 234 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.