| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARDEN & ASSOCIATES3 Filed as: LAWRENCE GIUSTI | 501 RIVERSIDE AVE SUITE 1000 JACKSONVILLE, FL 32202 | HEALTH OPTIONS, INC. | $28K | — | $28K | 1.50% |
| HARDEN & ASSOCIATES3 Filed as: LAWRENCE GIUSTI | 501 RIVERSIDE AVE SUITE 1000 JACKSONVILLE, FL 32202 | BLUE CROSS BLUE SHIELD OF FLORIDA | $18K | — | $18K | 1.50% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19K | — | $19K | 10.00% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATION INC | 501 RIVERSIDE AVENUE STE 1000 JACKSONVILLE, FL 32202 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $4K | $9K | 4.87% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 8.00% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE SUITE 1000 JACKSONVILLE, FL 32202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $3K | $5K | 9.86% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES INC | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 10.01% |
| US BENTEC WORKPLACE SOLUTIONS3 | 99 WOOD AVE SOUTH STE 501 ISELIN, NJ 08830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 3.61% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES 8F760 | 501 RIVERSIDE AVE SUITE 1000 JACKSONVILLE, FL 32202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $805 | — | $805 | 1.81% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE SUITE 1000 JACKSONVILLE, FL 32202 | BLUE CROSS & BLUE SHIELD OF FLORIDA, INC. | $4K | — | $4K | 10.00% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATION INC | 501 RIVERSIDE AVE SUITE 1000 JACKSONVILLE, FL 32202 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $874 | $580 | $1K | 4.75% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE SUITE 1000 JACKSONVILLE, FL 32202 | ARAG INSURANCE COMPANY | $1K | — | $1K | 12.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT ADVANTAGE EIN 39-2023593 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 3431 COMMODITY LANE GREEN BAY, WI 54304 | $6K |
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 | 356 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 362 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 218 | $3.1M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 375 | $207K |
| Vision | BLUE CROSS & BLUE SHIELD OF FLORIDA, INC. | 243 | $37K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 356 | $54K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 198 | $91K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 339 | $195K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 218 | $3.1M |
| Other(5 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 356 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 375 | — |
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."
No prospect flags tripped on this filing.