| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $26K | $26K | 4.17% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES, INC. | 501 RIVERSIDE AVE SUITE 1000 JACKSONVILLE, FL 32202 | HUMANA INSURANCE COMPANY | $6K | $499 | $7K | 10.27% |
| ACUITY CONSULTING GROUP LLC3 | 1550 CHELSEA PLACE ORANGE PARK, FL 32073 | TRANSAMERICA LIFE INSURANCE COMPANY | $10K | — | $10K | 16.01% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES INC | 501 RIVERSIDE AVE SUITE 1000 JACKSONVILLE, FL 32202 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.66% |
| ANNIKA KING3 | 751 BRIARCREEK ROAD JACKSONVILLE, FL 32225 | TRANSAMERICA LIFE INSURANCE COMPANY | $512 | — | $512 | 0.84% |
| DESTINY RAY3 | 2820 ADMIRALS WALK DRIVE WEST ORANGE PARK, FL 32073 | TRANSAMERICA LIFE INSURANCE COMPANY | $207 | — | $207 | 0.34% |
| MITCHELL H BESVINICK3 | 1280 BRIGHTON WAY NEWTON SQUARE, PA 19073 | TRANSAMERICA LIFE INSURANCE COMPANY | $101 | — | $101 | 0.17% |
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 | 199 | 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) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 96 | $628K |
| Dental | HUMANA INSURANCE COMPANY | 181 | $65K |
| Vision | HUMANA INSURANCE COMPANY | 181 | $65K |
| Life insurance(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 181 | $126K |
| Other | TRANSAMERICA LIFE INSURANCE COMPANY | 73 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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.