| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | FLORIDA COMBINED LIFE | $7K | — | $7K | 3.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 W. GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 3.13% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 1.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES, INC. | 2850 W. GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 2.54% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | STANDARD INSURANCE COMPANY | $140 | — | $140 | 0.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 W. GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | STANDARD INSURANCE COMPANY | $97 | — | $97 | 0.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 5.69% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | HUMANA INSURANCE COMPANY | $888 | — | $888 | 2.05% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN AND ASSOCIATES | 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 | PROFESSIONAL INSURANCE COMPANY | $8 | — | $8 | 3.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 501 RIVERSIDE AVE JACKSONVILLE, FL 32202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 3.66% |
| THOMAS WALLACE JR3 | 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 | 609 | 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) | 609 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | FLORIDA COMBINED LIFE | 453 | $215K |
| Vision | HUMANA INSURANCE COMPANY | 358 | $43K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 609 | $190K |
| Short-term disability | STANDARD INSURANCE COMPANY | 189 | $63K |
| Long-term disability | STANDARD INSURANCE COMPANY | 3,864 | $191K |
| Other(4 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 609 | $191K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,864 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.