| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES INC. | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | AETNA LIFE INSURANCE CO. | — | $8K | $8K | 0.46% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES INC | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | STANDARD INSURANCE COMPANY | $22K | — | $22K | 6.08% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES INC | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 9.13% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES INC | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 5.24% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES INC | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 9.08% |
| QUOROM INSURANCE, LLC3 | 9927 DELANEY LAKE DRIVE TAMPA, FL 33619 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 10.96% |
| TIMOTHY L KEEVERS3 | 2118 HARBOUR WATCH DRIVE TARPON SPRINGS, FL 34689 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $507 | — | $507 | 1.38% |
| QUOROM INSURANCE, LLC3 | 9927 DELANEY LAKE DRIVE TAMPA, FL 33619 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 11.55% |
| TIMOTHY L KEEVERS3 | 2118 HARBOUR WATCH DRIVE TARPON SPRINGS, FL 34689 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $400 | — | $400 | 1.09% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES INC | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 9.08% |
| QUOROM INSURANCE, LLC3 | 9927 DELANEY LAKE DRIVE TAMPA, FL 33619 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 8.21% |
| TIMOTHY L KEEVERS3 | 2118 HARBOUR WATCH DRIVE TARPON SPRINGS, FL 34689 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $494 | — | $494 | 1.62% |
| QUOROM INSURANCE, LLC3 | 9927 DELANEY LAKE DRIVE TAMPA, FL 33619 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 21.25% |
| TIMOTHY L KEEVERS3 | 2118 HARBOUR WATCH DRIVE TARPON SPRINGS, FL 34689 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $155 | — | $155 | 2.32% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HARDEN & ASSOCIATES INC. INSURANCE AGENTS/BROKERS | Insurance agents and brokers Service code 22 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | $69K |
| MEDCOM SERVICES, INC EIN 59-2316866 CLAIMS PROCESSING | Claims processing; Contract Administrator Service code 12 | — | $36K |
| HARDEN & ASSOCIATES INC BROKER | Insurance agents and brokers Service code 22 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | $19K |
| HARDEN & ASSOCIATES, INC. EIN 59-2142739 BROKER | Insurance agents and brokers Service code 22 | — | $0 |
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 | 238 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 411 | $1.7M |
| Dental | STANDARD INSURANCE COMPANY | 228 | $365K |
| Vision | STANDARD INSURANCE COMPANY | 202 | $64K |
| Life insurance | STANDARD INSURANCE COMPANY | 238 | $64K |
| Short-term disability | STANDARD INSURANCE COMPANY | 238 | $47K |
| Long-term disability | STANDARD INSURANCE COMPANY | 238 | $36K |
| Other(4 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 102 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 411 | — |
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.