| 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 | $52K | — | $52K | 4.70% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVENUE SUITE 1000 JACKSONVILLE, FL 322024941 | HEALTH OPTIONS, INC | $26K | — | $26K | 4.70% |
| FLORIDA BLUE3 Filed as: FLORIDA BLUE/ROBERT FRANKLIN | 4800 DEERWOOD CAMPUS PARKWAY #DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $192 | — | $192 | 0.17% |
| FLORIDA BLUE3 Filed as: FLORIDA BLUE/CHARLES METZKES | 4800 DEERWOOD CAMPUS PARKWAY #DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $67 | — | $67 | 0.06% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES INC. | 501 RIVERSIDE AVENUE SUITE 1000 JACKSONVILLE, FL 322024941 | FLORIDA COMBINED LIFE | $5K | — | $5K | 9.86% |
| FLORIDA BLUE3 Filed as: FLORIDA BLUE/ROBERT FRANKLIN | 4800 DEERWOOD CAMPUS PARKWAY DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $201 | — | $201 | 0.43% |
| FLORIDA BLUE3 Filed as: FLORIDA BLUE/CHARLES METZKES | 4800 DEERWOOD CAMPUS PARKWAY DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $47 | — | $47 | 0.10% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES INC. | 501 RIVERSIDE AVENUE SUITE 1000 JACKSONVILLE, FL 322024941 | FLORIDA COMBINED LIFE | $4K | — | $4K | 9.86% |
| FLORIDA BLUE3 Filed as: FLORIDA BLUE/ROBERT FRANKLIN | 4800 DEERWOOD CAMPUS PARKWAY DC2/2 JACKSONVILLE, FL 32245 | FLORIDA COMBINED LIFE | $245 | — | $245 | 0.65% |
| FLORIDA BLUE3 Filed as: FLORIDA BLUE/CHARLES METZKES | 4800 DEERWOOD CAMPUS PARKWAY DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $102 | — | $102 | 0.27% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN AND ASSOCIATES INC | 501 RIVERSIDE AVE, STE 1000 JACKSONVILLE, FL 32202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 12.32% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES INC. | 501 RIVERSIDE AVENUE SUITE 1000 JACKSONVILLE, FL 322024941 | FLORIDA COMBINED LIFE | $3K | — | $3K | 14.78% |
| FLORIDA BLUE3 Filed as: FLORIDA BLUE/ROBERT FRANKLIN | 4800 DEERWOOD CAMPUS PARKWAY DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $79 | — | $79 | 0.34% |
| FLORIDA BLUE3 Filed as: FLORIDA BLUE/CHARLES METZKES | 4800 DEERWOOD CAMPUS PARKWAY DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $14 | — | $14 | 0.06% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES INC. | 501 RIVERSIDE AVENUE SUITE 1000 JACKSONVILLE, FL 322024941 | FLORIDA COMBINED LIFE | $3K | — | $3K | 14.77% |
| FLORIDA BLUE3 Filed as: FLORIDA BLUE/ROBERT FRANKLIN | 4800 DEERWOOD CAMPUS PARKWAY DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $257 | — | $257 | 1.25% |
| FLORIDA BLUE3 Filed as: FLORIDA BLUE/CHARLES METZKES | 4800 DEERWOOD CAMPUS PARKWAY DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $112 | — | $112 | 0.54% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES INC. | 501 RIVERSIDE AVENUE SUITE 1000 JACKSONVILLE, FL 32202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 11.38% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $969 | — | $969 | 5.05% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES, INC. | 501 RIVERSIDE AVENUE SUITE 1000 JACKSONVILLE, FL 322024941 | VISION SERVICE PLAN | $1K | — | $1K | 5.70% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES INC./J. CARR | 501 RIVERSIDE AVENUE SUITE 1000 JACKSONVILLE, FL 322024941 | NEW DIRECTIONS BEHAVIORAL HEALTH | — | — | $0 | 0.00% |
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 | 193 | 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) | 195 | 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 | 94 | $1.7M |
| Dental | FLORIDA COMBINED LIFE | 164 | $113K |
| Vision | VISION SERVICE PLAN | 160 | $18K |
| Life insurance(2 contracts) | FLORIDA COMBINED LIFE | 163 | $70K |
| Short-term disability | FLORIDA COMBINED LIFE | 163 | $21K |
| Long-term disability | FLORIDA COMBINED LIFE | 163 | $38K |
| Other(5 contracts, 3 carriers) | FLORIDA COMBINED LIFE | 163 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.