| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | METROPOLITAN LIFE INSURANCE COMPANY | $160K | — | $160K | 3.70% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $340K | $24K | $363K | 10.70% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $299K | $48K | $347K | 15.42% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | AMERICAN HERITAGE LIFE INSURANCE | $111K | — | $111K | 8.02% |
| TERESA WEST3 | 8833 PERIMETER PARK BLVD STE 802 JACKSONVILLE, FL 32216 | AMERICAN HERITAGE LIFE INSURANCE | $87K | — | $87K | 6.29% |
| BENEFITS TECHNOLOGIES LLC3 | 1200 E TAFT STREET SAPULPA, OK 74066 | AMERICAN HERITAGE LIFE INSURANCE | $83K | — | $83K | 6.00% |
| BENEFITS TECHNOLOGIES LLC3 Filed as: BENEFITS TECHNOLOGIES | C/O BENEFITS SERVICES GROUP INC 1200 E TAFT STREET SAPULPA, OK 74066 | AMERICAN HERITAGE LIFE INSURANCE | $1K | — | $1K | 0.08% |
| DWIGHT L PIERCE3 Filed as: DWIGHT LEEROY PIERCE | 1200 EAST TAFT STREET SAPULPA, OK 74066 | AMERICAN HERITAGE LIFE INSURANCE | $30 | — | $30 | 0.00% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26K | $24K | $49K | 4.24% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $24K | — | $24K | 3.68% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | HARTFORD LIFE AND ACCIDENT | $60K | — | $60K | 15.00% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE SUTIE 1000 JACKSONVILLE, FL 32202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 2.17% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | ARAG INSURANCE COMPANY | $37K | — | $37K | 12.00% |
| AMERICAN GENERAL INS AGENCY3 | 2929 ALLEN PKWY L7-60 HOUSTON, TX 770197100 | CONTINENTAL CASUALTY COMPANY-CNA | $3K | — | $3K | 6.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUE SHIELD OF FLORIDA EIN 59-2015694 CONTRACT ADMI NISTRATOR | Contract Administrator Service code 13 | 4800 DEERWOOD CAMPUS PKWY JACKSONVILLE, FL 32246 | $2.3M |
| BENEFIT ADVANTAGE, INC. EIN 39-2023593 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 3431 COMMODITY LANE ASHWAUBENON, WI 54304 | $216K |
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 | 9,043 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 54 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,097 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE | 5,730 | $1.4M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,557 | $5.0M |
| Vision | HUMANA INSURANCE COMPANY OF NE | 9,086 | $609K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 9,043 | $2.2M |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,208 | $3.4M |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 8,520 | $1.5M |
| Other(10 contracts, 7 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 9,138 | $10.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,138 | — |
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.