| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | BLUE CROSS BLUE SHIELD OF FLORIDA | $55K | — | $55K | 3.92% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | HEALTH OPTIONS, INC | $22K | — | $22K | 4.00% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES INC | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 322024941 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $2K | $11K | 11.67% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN AND ASSOCIATES, EBD LLC | 501 RIVERSIDE AVENUE STE 1000 JACKSONVILLE, FL 32202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $2K | $8K | 19.79% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN AND ASSOCIATES, EBD LLC | 501 RIVERSIDE AVENUE STE 1000 JACKSONVILLE, FL 32202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $2K | $8K | 19.79% |
| DENNIS PITTMAN3 | 9372 COXWELL LANE JACKSONVILLE, FL 32221 | AFLAC | $1K | $39 | $1K | 8.85% |
| SHELLIE GASKINS3 | 510 22ND ST ST AUGUSTINE, FL 32084 | AFLAC | $345 | — | $345 | 2.10% |
| MARK A LINSNER3 Filed as: MARK LINSNER | 153 BLANDING BLVD STE 3 ORANGE PARK, FL 32073 | AFLAC | $309 | $12 | $321 | 1.95% |
| KEGAN NICOLE GONZALEZ3 Filed as: KEGAN GONZALEZ | 153 BLANDING BLVD STE 3 ORANGE PARK, FL 32073 | AFLAC | $310 | — | $310 | 1.89% |
| SALLY L PITTMAN3 Filed as: SALLY PITTMAN | 9372 COXWELL LN JACKSONVILLE, FL 32221 | AFLAC | $242 | $4 | $246 | 1.50% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOC INC | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | AFLAC | $203 | — | $203 | 1.24% |
| KEGAN NICOLE GONZALEZ3 Filed as: KEGAN GONZALEZ | 49 SWIMMING PEN DR MIDDLEBURG, FL 32068 | AFLAC | $139 | $9 | $148 | 0.90% |
| JAMES ARTHUR HARBOUR3 Filed as: JAMES HARBOUR | 1100 ALAKEA ST STE 3200 HONOLULU, HI 96813 | AFLAC | $146 | — | $146 | 0.89% |
| THOMAS JAMES OLLER3 Filed as: THOMAS OLLER | 2410 SOUTHERN LINKS DR FLEMING ISLAND, FL 32003 | AFLAC | $104 | $4 | $108 | 0.66% |
| DAVID K MOBLEY3 Filed as: DAVID MOBLEY | 3812 VALVERDE CIR JACKSONVILLE, FL 32224 | AFLAC | $65 | — | $65 | 0.40% |
| VERA I CRUICE3 Filed as: VERA CRUICE | 11445 DRAKEWOOD CT JACKSONVILLE, FL 32223 | AFLAC | $61 | — | $61 | 0.37% |
| JIMMY D BOONE3 Filed as: JIMMY BOONE | 5346 DOMINICA CIR SARASOTA, FL 34233 | AFLAC | $55 | — | $55 | 0.33% |
| TAMARA HAYGOOD3 | 3017 ANGORA BAY DR MIDDLEBURG, FL 32068 | AFLAC | $35 | $19 | $54 | 0.33% |
| MARY B MCKINNEY3 Filed as: MARY MCKINNEY | 3915 CASCADE RD SW STE T93 ATLANTA, GA 30331 | AFLAC | $46 | — | $46 | 0.28% |
| CHRIS GUZEWICH3 | 1007 DRAKEFEATHER DR ORANGE PARK, FL 32065 | AFLAC | $32 | — | $32 | 0.19% |
| DAVID C SWEIGARD3 Filed as: DAVID SWEIGARD | 2603 PELLICER RD SAINT AUGUSTINE, FL 32092 | AFLAC | $31 | — | $31 | 0.19% |
| J W GRIMES INC3 | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $21 | — | $21 | 0.13% |
| DAVID MARKS3 | 4021 WE HECK CT STE J BATON ROUGE, LA 70816 | AFLAC | $18 | — | $18 | 0.11% |
| WILLIE BURKS3 | 1170 PEACHTREE ST NE STE 1200 ATLANTA, GA 30309 | AFLAC | $13 | — | $13 | 0.08% |
| J C ADAMS INC3 | 5631 NE 31ST TER OCALA, FL 34479 | AFLAC | $12 | — | $12 | 0.07% |
| BETH LUANNE KIMBROUGH3 Filed as: BETH KIMBROUGH | 6750 N ANDREWS AVE STE 200 FT LAUDERDALE, FL 33309 | AFLAC | $9 | — | $9 | 0.05% |
| JASON BODDIE3 | 10175 FORTUNE PKWY UNIT 604 JACKSONVILLE, FL 32256 | AFLAC | $9 | — | $9 | 0.05% |
| TROY DANIEL DESLATTE3 Filed as: TROY DESLATTE | 107 SHADY PARK DR LAFAYETTE, LA 70508 | AFLAC | $9 | — | $9 | 0.05% |
| BERNICE B FRANKLIN3 Filed as: BERNICE FRANKLIN | 3040 HIGHLANDS PKWY STE A SMYRNA, GA 30082 | AFLAC | $6 | — | $6 | 0.04% |
| ROBERT VICTOR WOERNER II3 Filed as: ROBERT WOERNER II | 210 16TH ST, UNIT K ST AUGUSTINE, FL 32080 | AFLAC | $6 | — | $6 | 0.04% |
| JIMMY LEON JOHNSON3 Filed as: JIMMY JOHNSON | 40 AVERY ST ST AUGUSTINE, FL 32084 | AFLAC | $6 | — | $6 | 0.04% |
| DORIS L BRACKETT3 Filed as: DORIS BRACKETT | 3233 HIGHGATE CHASE CT BERKELEY LAKE, GA 30092 | AFLAC | $5 | — | $5 | 0.03% |
| VICKI M DICKERT3 Filed as: VICKI DICKERT | 258 SEAVIEW AVE DAYTONA BEACH, FL 32118 | AFLAC | $3 | — | $3 | 0.02% |
| ROBERT GOBLE3 | 1410 4TH STREET DR NW UNIT 208 HICKORY, NC 28601 | AFLAC | $3 | — | $3 | 0.02% |
| JAMES R MIRABELLI3 Filed as: JAMES MIRABELLI | 801 BRINY AVE APT 1403 POMPANO BEACH, FL 33062 | AFLAC | $2 | — | $2 | 0.01% |
| ROBERT P FERRONE3 Filed as: ROBERT FERRONE | 8168 CENTRAL PARK WAY N APT 202 MAPLE GROVE, MN 55369 | AFLAC | $2 | — | $2 | 0.01% |
| MICHELE HASKELL3 | PO BOX 440307 JACKSONVILLE, FL 32222 | AFLAC | $1 | — | $1 | 0.01% |
| AARON ANTHONY3 | 1700 FOUNTAIN CT APT 1303 COLUMBUS, GA 31904 | AFLAC | $1 | — | $1 | 0.01% |
| RONALD S SANDERS3 Filed as: RONALD SANDERS | 744 E DENIM TRL SAN TAN VALLEY, AZ 85143 | AFLAC | $1 | — | $1 | 0.01% |
| MICHAEL LEROY COY3 Filed as: MICHAEL COY | 3571 FAR WEST BLVD 42 AUSTIN, TX 78731 | AFLAC | $1 | — | $1 | 0.01% |
| RICHARD MICHAEL TIDWELL3 Filed as: RICHARD TIDWELL | 5511 KINGSLEY MNR CUMMING, GA 30041 | AFLAC | $1 | — | $1 | 0.01% |
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 | 131 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 78 | $1.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 323 | $98K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 323 | $98K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 126 | $39K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 117 | $41K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 78 | $2.0M |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 126 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 323 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.