| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARDEN & ASSOCIATES3 Filed as: LAWRENCE GIUSTI, HARDEN&ASSOCIATES | 501 RIVERSIDE AVE SUITE 1000 JACKSONVILLE, FL 32202 | HEALTH OPTIONS, INC. | $27K | — | $27K | 1.50% |
| HARDEN & ASSOCIATES3 Filed as: LAWRENCE GIUSTI, HARDEN&ASSOCIATES | 501 RIVERSIDE AVE SUITE 1000 JACKSONVILLE, FL 32202 | BLUE CROSS BLUE SHIELD OF FLORIDA | $19K | — | $19K | 1.50% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | $8K | $30K | 14.02% |
| FLORIDA BLUE3 Filed as: ANDREW CARROLL, FLORIDA BLUE | 4800 DEERWOOD CAMPUS PARKWAY #DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $9K | — | $9K | 9.28% |
| FLORIDA BLUE3 Filed as: MIKE LEWIS, FLORIDA BLUE | 4800 DEERWOOD CAMPUS PARKWAY #DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $956 | — | $956 | 1.01% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $4K | $11K | 12.37% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE SUITE 1000 JACKSONVILLE, FL 32202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $2K | $5K | 9.03% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES INC (44370) | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 5.73% |
| US BENTEC WORKPLACE SOLUTIONS3 | 99 WOOD AVE SOUTH STE 501 ISELIN, NJ 08830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 3.40% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES (8F760) | 501 RIVERSIDE AVE SUITE 1000 JACKSONVILLE, FL 32202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $689 | — | $689 | 1.59% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE SUITE 1000 JACKSONVILLE, FL 32202 | BLUE CROSS & BLUE SHIELD OF FLORIDA, INC. | $4K | — | $4K | 10.00% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | FLORIDA COMBINED LIFE | $2K | — | $2K | 11.04% |
| ANDREW CARROLL, FL BLUE3 | 4800 DEERWOOD CAMPUS PARKWAY #DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $2K | — | $2K | 8.26% |
| FLORIDA BLUE3 Filed as: MIKE LEWIS, FL BLUE | 4800 DEERWOOD CAMPUS PARKWAY #DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $136 | — | $136 | 0.62% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE SUITE 1000 JACKSONVILLE, FL 32202 | ARAG INSURANCE COMPANY | $969 | — | $969 | 12.00% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATION INC | 501 RIVERSIDE AVENUE STE 1000 JACKSONVILLE, FL 32202 | METROPOLITAN LIFE INSURANCE COMPANY | $892 | — | $892 | 24.89% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATION INC | 501 RIVERSIDE AVE SUITE 1000 JACKSONVILLE, FL 32202 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $136 | — | $136 | — |
| 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 | 342 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 347 | 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(4 contracts, 3 carriers) | FLORIDA COMBINED LIFE | 161 | $120K |
| Vision | BLUE CROSS & BLUE SHIELD OF FLORIDA, INC. | 224 | $36K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 342 | $59K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 165 | $91K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 322 | $211K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 218 | $3.1M |
| Other(5 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 342 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 342 | — |
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.