| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE. STE 1000 JACKSONVILLE, FL 322024941 | BLUE CROSS BLUE SHIELD OF FLORIDA INC | $16K | — | $16K | 4.00% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE. STE 1000 JACKSONVILLE, FL 322024941 | BLUE CROSS BLUE SHIELD OF FLORIDA | $5K | — | $5K | 4.00% |
| TLIC- SEE ATTACH3 | 4333 EDGEWOOD ROAD NE CEDAR RAPIDS, IA 52499 | TRANSAMERICA INSURANCE COMPANY | $13K | — | $13K | 24.80% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN AND ASSOCIATES INC | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $500 | $3K | 11.69% |
| HARDEN & ASSOCIATES3 | 501 RVERSIDE AVE SUITE 1000 JACKSONVILLE, FL 32202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $863 | $4K | 19.41% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES INC | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 322024941 | COMPBENEFITS COMPANY | $627 | $5 | $632 | 10.09% |
| THOMAS O'NEAL DOUGLAS JR3 | 7936 PINE LAKE ROAD JACKSONVILLE, FL 32256 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $37 | — | $37 | 2.72% |
| BENEFITS TECHNOLOGIES LLC3 | 1200 E TAFT AVE SAPULPA, OK 74066 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.88% |
| DONALD LIKENS3 | 8833 PERIMETER PARK BLVD JACKSONVILLE, FL 32216 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
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 | 172 | 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) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA INC | 772 | $581K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 82 | $23K |
| Vision | COMPBENEFITS COMPANY | 53 | $6K |
| Life insurance(3 contracts, 3 carriers) | TRANSAMERICA INSURANCE COMPANY | 772 | $73K |
| Short-term disability | TRANSAMERICA INSURANCE COMPANY | 772 | $52K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA INC | 71 | $529K |
| Other(3 contracts, 3 carriers) | TRANSAMERICA INSURANCE COMPANY | 772 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 772 | — |
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.