| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES INC | 501 RIVERSIDE AVENUE SUITE 1000 JACKSONVILLE, FL 32202 | BLUE CROSS BLUE SHIELD OF FLORIDA | — | $189K | $189K | 2.19% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES INC | 501 RIVERSIDE AVENUE SUTIE 1000 JACKSONVILLE, FL 32202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $55K | $21K | $76K | 13.89% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE. STE 1000 JACKSONVILLE, FL 32202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $4K | $15K | 13.73% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES INC | 501 RIVERSIDE AVE SUITE 1000 JACKSONVILLE, FL 32202 | HUMANA INSURANCE COMPANY | $7K | $742 | $8K | 11.92% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $85 | $85 | 4.12% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $26 | $26 | 1.31% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE. STE 1000 JACKSONVILLE, FL 32202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $15 | $15 | 5.07% |
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 | 846 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 89 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 935 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 697 | $8.6M |
| Dental(2 contracts, 2 carriers) | HMSA (HAWAII MEDICAL SERVICES ASSOCIATION) | 696 | $432 |
| Vision | HUMANA INSURANCE COMPANY | 556 | $67K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,309 | $551K |
| Short-term disability(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 18 | $4K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 697 | $8.6M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF FLORIDA | 697 | $8.6M |
| Other(4 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 1,309 | $9.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,309 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.