| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | BLUE CROSS BLUE SHIELD OF FLORIDA | $25K | — | $25K | 4.00% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES INC. | 501 RIVERSIDE AVENUE SUITE 1000 JACKSONVILLE, FL 322024941 | FLORIDA COMBINED LIFE | $4K | — | $4K | 9.47% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA, INC. | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | FLORIDA COMBINED LIFE | $2K | — | $2K | 4.53% |
| FLORIDA BLUE3 Filed as: JIM GRIFFIN/FLORIDA BLUE | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $2K | — | $2K | 4.33% |
| FLORIDA BLUE3 Filed as: CHARLES METZKES/FLORIDA BLUE | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $277 | — | $277 | 0.65% |
| RYAN C. DURRENCE3 Filed as: RYAN C DURRENCE | 1550 CHELSEA PLACE ORANGE PARK, FL 32073 | AMERICAN HERITAGE LIFE INSURANCE | $2K | — | $2K | 4.86% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES INC | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | AMERICAN HERITAGE LIFE INSURANCE | $891 | — | $891 | 2.80% |
| JAMES MCKAY3 Filed as: JAMES MCKAY MAXWELL | 1 SLEIMAN PARKWAY SUITE 130 JACKSONVILLE, FL 32216 | AMERICAN HERITAGE LIFE INSURANCE | $719 | — | $719 | 2.26% |
| INSURANCE OFFICE OF AMERICA3 | PO BOX 152207 ALTAMONTE SPRINGS, FL 32716 | AMERICAN HERITAGE LIFE INSURANCE | $64 | — | $64 | 0.20% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP | 1350 S 2483 TOWER DRIVE UNIT 5 MONROE, LA 71201 | AMERICAN HERITAGE LIFE INSURANCE | $13 | — | $13 | 0.04% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA, INC. | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 5.96% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $936 | — | $936 | 4.87% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE RD 434 LONGWOOD, FL 32750 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $466 | — | $466 | 2.42% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE RD 434 LONGWOOD, FL 32750 | PRINCIPAL LIFE INSURANCE COMPANY | $447 | $311 | $758 | 9.87% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES INC. | 501 RIVERSIDE AVENUE SUITE 1000 JACKSONVILLE, FL 322024941 | PRINCIPAL LIFE INSURANCE COMPANY | $331 | — | $331 | 4.31% |
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 | 219 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 119 | $632K |
| Dental | FLORIDA COMBINED LIFE | 147 | $43K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 129 | $8K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 60 | $19K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 60 | $19K |
| Other | AMERICAN HERITAGE LIFE INSURANCE | 80 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.