| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARDEN & ASSOCIATES3 Filed as: LAWRENCE GIUSTI, HARDEN&ASSOCIATES | 501 RIVERSIDE AVE SUITE 1000 JACKSONVILLE, FL 322024941 | HEALTH OPTIONS, INC. | $25K | — | $25K | 1.50% |
| HARDEN & ASSOCIATES3 Filed as: LAWRENCE GIUSTI, HARDEN&ASSOCIATES | 501 RIVERSIDE AVE SUITE 1000 JACKSONVILLE, FL 322024941 | BLUE CROSS BLUE SHIELD OF FLORIDA | $20K | — | $20K | 1.50% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | $7K | $28K | 13.55% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATION INC | 501 RIVERSIDE AVENUE STE 1000 JACKSONVILLE, FL 322024941 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $31 | $4K | 2.75% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $3K | $10K | 11.88% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE SUITE 1000 JACKSONVILLE, FL 32202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $2K | $5K | 8.43% |
| 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 322024941 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $447 | — | $447 | 2.75% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES INC (44370) | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $573 | — | $573 | 4.44% |
| US BENTEC WORKPLACE SOLUTIONS3 Filed as: US BENTEC WORKPLACE SOLUTIONS-8E690 | 99 WOOD AVE SOUTH STE 501 ISELIN, NJ 08830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $515 | — | $515 | 3.99% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES INC | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $239 | — | $239 | 1.85% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES INC (44370) | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $650 | — | $650 | 6.06% |
| US BENTEC WORKPLACE SOLUTIONS3 | 99 WOOD AVE SOUTH STE 501 ISELIN, NJ 08830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $362 | — | $362 | 3.37% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES (8F760) | 501 RIVERSIDE AVE SUITE 1000 JACKSONVILLE, FL 32202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $146 | — | $146 | 1.36% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE SUITE 1000 JACKSONVILLE, FL 32203 | ARAG INSURANCE COMPANY | $594 | — | $594 | 12.01% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE SUITE 1000 JACKSONVILLE, FL 32203 | ARAG INSURANCE COMPANY | $567 | — | $567 | 11.99% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES INC-44370 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $241 | — | $241 | 5.49% |
| US BENTEC WORKPLACE SOLUTIONS3 | 99 WOOD AVE SOUTH STE 501 ISELIN, NJ 08830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $125 | — | $125 | 2.85% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES INC-8F760 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $74 | — | $74 | 1.68% |
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 | 372 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 57 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 431 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 175 | $3.0M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 519 | $171K |
| Vision | BLUE CROSS & BLUE SHIELD OF FLORIDA, INC. | 233 | $35K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 358 | $61K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 166 | $84K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 324 | $208K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 175 | $3.0M |
| Other(8 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 358 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 519 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.