| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES INC | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $27K | — | $27K | 26.50% |
| ROCKY FRALEIGH3 | 4141 ROBIN HOOD RD JACKSONVILLE, FL 32210 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $408 | — | $408 | 0.39% |
| BRYAN L CODAY3 | 11048-1 BAYMEADOWS JACKSONVILLE, FL 32256 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $81 | — | $81 | 0.08% |
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 | 2,963 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,980 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 5,438 | $33.9M |
| Dental | AETNA LIFE INSURANCE COMPANY | 5,438 | $33.9M |
| Vision | HUMANA INSURANCE COMPANY OF NE | 4,252 | $309K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 5,438 | $33.9M |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 5,438 | $33.9M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 5,438 | $34.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,438 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.