| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVENUE SUITE 1000 JACKSONVILLE, FL 322024941 | UNITEDHEALTHCARE INSURANCE COMPANY | $23K | — | $23K | 4.02% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES INC | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 322024941 | HUMANA INSURANCE COMPANY | $5K | $241 | $5K | 9.03% |
| SEE ATTACHED3 Filed as: SEE ATTACHED LIST OF BROKERS | — | TRANSAMERICA LIFE INSURANCE COMPANY | $7K | — | $7K | 13.10% |
| EMTT INC3 | C/O TAYLOR INSURANCE SERVICES PO BOX 189 VALDOSTA, GA 31603 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 7.56% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE SUITE 1000 JACKSONVILLE, FL 32202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $435 | — | $435 | 1.90% |
| THOMAS O'NEAL DOUGLAS JR3 | 605 TIMBER POND DRIVE PONTE VEDRA BEACH, FL 32082 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $175 | — | $175 | 0.77% |
| US BENTEC WORKPLACE SOLUTIONS3 | 99 WOOD AVENUE SOUTH SUITE 501 ISELIN, NJ 08830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | — | $14 | 0.06% |
| DAVID B PHILLIPS3 | 1200 E TAFT AVE SAPULPA, OK 74066 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.03% |
| TNS BROKERAGE SERVICES LLC3 | C/O TAYLOR INSURANCE SERVICES PO BOX 189 VALDOSTA, GA 31603 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.02% |
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 | 192 | 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) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 114 | $598K |
| Dental | HUMANA INSURANCE COMPANY | 175 | $58K |
| Vision | HUMANA INSURANCE COMPANY | 175 | $58K |
| Life insurance(3 contracts, 3 carriers) | HUMANA INSURANCE COMPANY | 245 | $133K |
| Short-term disability(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 245 | $76K |
| Other(3 contracts, 3 carriers) | HUMANA INSURANCE COMPANY | 245 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 245 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.