| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES INC. | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | BLUE CROSS BLUE SHIELD OF FLORIDA | $95K | — | $95K | 4.00% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES INC | 201 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22K | $8K | $30K | 13.55% |
| QUOROM INSURANCE, LLC3 | PO BOX 10385 TAMPA, FL 33679 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13K | — | $13K | 14.93% |
| TIMOTHY L KEEVERS3 | 1626 KISMET CT TARPON SPRINGS, FL 34689 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 1.67% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES INC | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 10.16% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES INC | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 10.03% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES INC | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 10.06% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES INC | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 11.74% |
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 | 215 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 226 | $2.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 235 | $225K |
| Vision | STANDARD INSURANCE COMPANY | 226 | $42K |
| Life insurance | STANDARD INSURANCE COMPANY | 268 | $81K |
| Short-term disability | STANDARD INSURANCE COMPANY | 258 | $71K |
| Long-term disability | STANDARD INSURANCE COMPANY | 258 | $52K |
| Other | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 136 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.