| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: JAMES CARR-GALLAGHER BENEFIT SERV. | 501 RIVERSIDE AVE SUITE 1000 JACKSONVILLE, FL 322024941 | HEALTH OPTIONS, INC. | $25K | — | $25K | 1.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: JAMES CARR-GALLAGHER BENEFIT SERV. | 501 RIVERSIDE AVE SUITE 1000 JACKSONVILLE, FL 322024941 | BLUE CROSS BLUE SHIELD OF FLORIDA INC | $21K | — | $21K | 1.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 501 RIVERSIDE AVENUE, STE 1000 JACKSONVILLE, FL 32202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 5.74% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 4.26% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATION INC | PO BOX 95287 CHIGACO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $3K | $6K | 3.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 501 RIVERSIDE AVENUE, STE 1000 JACKSONVILLE, FL 32202 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $54 | $3K | 1.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1 | $1 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 501 RIVERSIDE AVENUE, STE 1000 JACKSONVILLE, FL 32202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 4.60% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 501 RIVERSIDE AVENUE, STE 1000 JACKSONVILLE, FL 32202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.78% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE SUITE 1000 JACKSONVILLE, FL 32202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.22% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE SUITE 1000 JACKSONVILLE, FL 32202 | BLUE CROSS & BLUE SHIELD OF FLORIDA INC | $2K | — | $2K | 6.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 501 RIVERSIDE AVENUE, SUITE 1000 JACKSONVILLE, FL 32202 | BLUE CROSS & BLUE SHIELD OF FLORIDA INC | $926 | — | $926 | 3.08% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES INC | 501 RIVERSIDE AVE SUITE 1000 JACKSONVILLE, FL 322024941 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $241 | $302 | $543 | 3.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 501 RIVERSIDE AVENUE, SUITE 1000 JACKSONVILLE, FL 32202 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $215 | — | $215 | 1.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC (44370) | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $491 | — | $491 | 4.83% |
| 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 | $367 | — | $367 | 3.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC (8F760) | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $183 | — | $183 | 1.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC (44370) | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $489 | — | $489 | 5.47% |
| 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 | $272 | — | $272 | 3.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC(8F760) | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $135 | — | $135 | 1.51% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE SUITE 1000 JACKSONVILLE, FL 32203 | ARAG INSURANCE COMPANY | $537 | — | $537 | 8.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | ROLLING MEADOWS PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | ARAG INSURANCE COMPANY | $266 | — | $266 | 3.98% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE SUITE 1000 JACKSONVILLE, FL 32203 | ARAG INSURANCE COMPANY | $280 | — | $280 | 8.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | ROLLING MEADOWS PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | ARAG INSURANCE COMPANY | $131 | — | $131 | 3.83% |
| GALLACHER BENEFIT SVCS INC (44370)3 | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $144 | — | $144 | 4.38% |
| 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 | $120 | — | $120 | 3.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC (8F760) | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $74 | — | $74 | 2.25% |
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 | 401 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 412 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 0 | $3.1M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 556 | $192K |
| Vision | BLUE CROSS & BLUE SHIELD OF FLORIDA INC | 245 | $30K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 367 | $50K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 164 | $84K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 349 | $191K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 0 | $3.1M |
| Other(8 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA INC | 367 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 556 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.