| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES INC./J. CARR | 501 RIVERSIDE AVENUE SUITE 1000 JACKSONVILLE, FL 322024941 | BLUE CROSS BLUE SHIELD OF FLORIDA | $46K | — | $46K | 4.70% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES INC./J. CARR | 501 RIVERSIDE AVENUE SUITE 1000 JACKSONVILLE, FL 322024941 | HEALTH OPTIONS, INC. | $21K | — | $21K | 4.70% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES INC. | 501 RIVERSIDE AVENUE SUITE 1000 JACKSONVILLE, FL 322024941 | FLORIDA COMBINED LIFE | $821 | — | $821 | 0.84% |
| FLORIDA BLUE3 Filed as: FLORIDA BLUE/ROBERT FRANKLIN | 4800 DEERWOOD CAMPUS PARKWAY #DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $704 | — | $704 | 0.72% |
| FLORIDA BLUE3 Filed as: FLORIDA BLUE/CHARLES METZKES | 4800 DEERWOOD CAMPUS PARKWAY #DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $554 | — | $554 | 0.56% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES INC. | 501 RIVERSIDE AVENUE SUITE 1000 JACKSONVILLE, FL 322024941 | FLORIDA COMBINED LIFE | $4K | $1K | $5K | 12.12% |
| FLORIDA BLUE3 Filed as: FLORIDA BLUE/ROBERT FRANKLIN | 4800 DEERWOOD CAMPUS PARKWAY DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $482 | — | $482 | 1.23% |
| FLORIDA BLUE3 Filed as: FLORIDA BLUE/CHARLES METZKES | 4800 DEERWOOD CAMPUS PARKWAY DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $215 | — | $215 | 0.55% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES INC. | 501 RIVERSIDE AVENUE SUITE 1000 JACKSONVILLE, FL 322024941 | FLORIDA COMBINED LIFE | $3K | $943 | $4K | 12.11% |
| FLORIDA BLUE3 Filed as: FLORIDA BLUE/ROBERT FRANKLIN | 4800 DEERWOOD CAMPUS PARKWAY DC2/2 JACKSONVILLE, FL 32245 | FLORIDA COMBINED LIFE | $328 | — | $328 | 1.06% |
| FLORIDA BLUE3 Filed as: FLORIDA BLUE/CHARLES METZKES | 4800 DEERWOOD CAMPUS PARKWAY DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $168 | — | $168 | 0.54% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES INC. | 501 RIVERSIDE AVENUE SUITE 1000 JACKSONVILLE, FL 322024941 | FLORIDA COMBINED LIFE | $3K | — | $3K | 13.68% |
| FLORIDA BLUE3 Filed as: FLORIDA BLUE/ROBERT FRANKLIN | 4800 DEERWOOD CAMPUS PARKWAY DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $345 | — | $345 | 1.73% |
| FLORIDA BLUE3 Filed as: FLORIDA BLUE/CHARLES METZKES | 4800 DEERWOOD CAMPUS PARKWAY DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $113 | — | $113 | 0.57% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES INC. | 501 RIVERSIDE AVENUE SUITE 1000 JACKSONVILLE, FL 322024941 | FLORIDA COMBINED LIFE | $2K | — | $2K | 13.70% |
| FLORIDA BLUE3 Filed as: FLORIDA BLUE/ROBERT FRANKLIN | 4800 DEERWOOD CAMPUS PARKWAY DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $250 | — | $250 | 1.39% |
| FLORIDA BLUE3 Filed as: FLORIDA BLUE/CHARLES METZKES | 4800 DEERWOOD CAMPUS PARKWAY DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $106 | — | $106 | 0.59% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES, INC. | 501 RIVERSIDE AVENUE SUITE 1000 JACKSONVILLE, FL 322024941 | VISION SERVICE PLAN | $990 | — | $990 | 5.92% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN AND ASSOCIATES INC | 501 RIVERSIDE AVE, STE 1000 JACKSONVILLE, FL 32202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 12.99% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 12.63% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES INC. | 501 RIVERSIDE AVENUE SUITE 1000 JACKSONVILLE, FL 32202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 9.54% |
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 | 163 | 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) | 163 | 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 | 82 | $1.4M |
| Dental | FLORIDA COMBINED LIFE | 140 | $98K |
| Vision | VISION SERVICE PLAN | 139 | $17K |
| Life insurance(2 contracts) | FLORIDA COMBINED LIFE | 165 | $59K |
| Short-term disability | FLORIDA COMBINED LIFE | 165 | $18K |
| Long-term disability | FLORIDA COMBINED LIFE | 165 | $31K |
| Other(4 contracts, 3 carriers) | FLORIDA COMBINED LIFE | 165 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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.