| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE SUITE 1000 JACKSONVILLE, FL 32202 | HEALTH OPTIONS, INC. | $24K | — | $24K | 1.50% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE SUITE 1000 JACKSONVILLE, FL 32202 | BLUE CROSS BLUE SHIELD OF FLORIDA, INC. | $14K | — | $14K | 1.50% |
| HARDEN & ASSOCIATES3 | SUITE 1000 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $26K | — | $26K | 9.40% |
| MEDICAL GROUP INSURANCE SERVICES4 Filed as: MEDICAL GROUP INS SERVICES INC | 1849 WEST NORTH TEMPLE SALT LAKE CITY, UT 84116 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $55 | $55 | 0.02% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE SUITE 1000 JACKSONVILLE, FL 32202 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $61 | $3K | 3.00% |
| DWIGHT L PIERCE3 Filed as: DWIGHT PIERCE | C/O BENEFITS SERVICES GRP INC. 8833 PERIMETER PARK BLVD SUITE 802 JACKSONVILLE, FL 32216 | AMERICAN HERITAGE LIFE INS CO - ALLSTATE | $5K | — | $5K | 9.08% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE SUITE 1000 JACKSONVILLE, FL 32202 | AMERICAN HERITAGE LIFE INS CO - ALLSTATE | $3K | — | $3K | 5.94% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE SUITE 1000 JACKSONVILLE, FL 32202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE SUITE 1000 JACKSONVILLE, FL 32202 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $732 | — | $732 | 3.00% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE SUITE 1000 JACKSONVILLE, FL 32202 | ARAG INSURANCE COMPANY | $1K | — | $1K | 12.00% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE SUITE 1000 JACKSONVILLE, FL 32202 | BLUE CROSS & BLUE SHIELD OF FLORIDA, INC. | $4K | — | $4K | 100.00% |
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 | 365 | 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) | 365 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INS CO - ALLSTATE | 164 | $53K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 371 | $134K |
| Vision | BLUE CROSS & BLUE SHIELD OF FLORIDA, INC. | 252 | $4K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 365 | $48K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 365 | $322K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 223 | $274K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 217 | $2.5M |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 365 | $333K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 371 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.