| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | FLORIDA COMBINED LIFE | $7K | — | $7K | 3.26% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 3.83% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 3.48% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 5.80% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 7.31% |
| WHITTINGTON ROBERT HUNTER3 Filed as: WHITTINGTON, ROBERT HUNTER | 700 W. HILLSBORO BLVD STE 102 DEERFIELD BEACH, FL 33441 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $202 | — | $202 | 4.86% |
| US BENTEC WORKPLACE SOLUTIONS3 | 99 WOOD AVENUE SOUTH STE 501 ISELIN, NJ 08830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $88 | — | $88 | 2.12% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $72 | — | $72 | 1.73% |
| DOUGLAS THOMAS O'NEAL JR3 Filed as: DOUGLAS THOMAS O'NEAL JR. | 605 TIMBER POND DR. PONTE VEDRA BEACH, FL 32082 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $35 | — | $35 | 0.84% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN AND ASSOCIATES | 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 | PROFESSIONAL INSURANCE COMPANY | $8 | — | $8 | 2.91% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 3.66% |
| RANDALL HALLMAN3 | 2632 LOOPRIDGE DR. ORANGE PARK, FL 32065 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 2.85% |
| THOMAS WALLACE JR3 Filed as: THOMAS WALLACE JR. | 57 WYN OAK DRIVE NASHVILLE, TN 37205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.41% |
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 | 593 | 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) | 596 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | FLORIDA COMBINED LIFE | 432 | $223K |
| Vision | HUMANA INSURANCE COMPANY | 323 | $43K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 602 | $184K |
| Short-term disability | STANDARD INSURANCE COMPANY | 211 | $62K |
| Long-term disability | STANDARD INSURANCE COMPANY | 630 | $200K |
| Stop-loss / reinsurancereinsurance | FLORIDA BLUE | 503 | $624K |
| Other(4 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 602 | $185K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 630 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.