| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | BLUE CROSS BLUE SHIELD OF FLORIDA | $58K | — | $58K | 4.00% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST. AUGUSTINE, FL 32080 | BLUE CROSS BLUE SHIELD OF FLORIDA | $20K | — | $20K | 4.00% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 322024941 | BLUE CROSS BLUE SHIELD OF FLORIDA | $9K | — | $9K | 4.00% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | UNION SECURITY INSURANCE COMPANY | $11K | — | $11K | 7.43% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL | 1200 PLANTATION ISLAND DR S STE 210 ST. AUGUSINE, FL 32080 | UNION SECURITY INSURANCE COMPANY | $4K | — | $4K | 2.54% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES INC | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | — | $11K | 9.23% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST. AUGUSTINE, FL 32080 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 3.55% |
| VERA I CRUICE3 | 7121 TARPON CT FLEMING ISLAND, FL 32003 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 7.11% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE SUITE 1000 JACKSONVILLE, FL 32202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 4.52% |
| PETER HAGER3 | 4660 NOTTINGHAM RD JACKSONVLLE, FL 32210 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 2.74% |
| MARK A LINSNER3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.44% |
| GREGORY MICHAEL CRUICE3 Filed as: GREGORY M CRUICE | 7121 TARPON CT FLEMING ISLAND, FL 32003 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.31% |
| JAMEY MILLER INC3 Filed as: JAMEY J MILLER | 4811 BEACH BLVD #107 JACKSONVILLE, FL 32207 | CONTINENTAL AMERICAN INSURANCE COMPANY | $795 | — | $795 | 0.81% |
| THOMAS J OLLER3 | 49 SWIMMING PEN DR MIDDLEBURG, FL 32068 | CONTINENTAL AMERICAN INSURANCE COMPANY | $646 | — | $646 | 0.66% |
| HYLANT GROUP INC3 | 2401 W BIG BEAVER RD STE 400 TROY, MI 48084 | CONTINENTAL AMERICAN INSURANCE COMPANY | $616 | — | $616 | 0.63% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST. AUGUSTINE, FL 32080 | CONTINENTAL AMERICAN INSURANCE COMPANY | $561 | — | $561 | 0.57% |
| DAVID MARKS3 | 4021 WE HECK CT BUILDING J BATON ROUGE, LA 70816 | CONTINENTAL AMERICAN INSURANCE COMPANY | $521 | — | $521 | 0.53% |
| JAMES R MIRABELLI3 | 8375 DIX ELLIS TRAIL STE 409 JACKSONVILLE, FL 32256 | CONTINENTAL AMERICAN INSURANCE COMPANY | $495 | — | $495 | 0.50% |
| MARK A LINSNER3 Filed as: MARK LINSNER | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $385 | — | $385 | 0.39% |
| JULIA CHAMBERS HAGER3 Filed as: JULIA C HAGER | 4660 NOTTINGHAM RD JACKSONVILLE, FL 32210 | CONTINENTAL AMERICAN INSURANCE COMPANY | $314 | — | $314 | 0.32% |
| ASHLEY CROOK3 Filed as: ASHLEY L CROOK | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $219 | — | $219 | 0.22% |
| BETH L WALTER3 | 8375 DIX ELLIS TRAIL STE 409 JACKSONVILLE, FL 32256 | CONTINENTAL AMERICAN INSURANCE COMPANY | $214 | — | $214 | 0.22% |
| CHARLES V GLAUB3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $100 | — | $100 | 0.10% |
| CECIL T SALMON3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $97 | — | $97 | 0.10% |
| HEIDI E GLAUB3 | 5458 PARKSIDE DR BRIGHTON, MI 48114 | CONTINENTAL AMERICAN INSURANCE COMPANY | $54 | — | $54 | 0.05% |
| JASON BODDIE3 Filed as: JASON I BODDIE | 2900 RAVINE HILL DR MIDDLEBURG, FL 32068 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.02% |
| BOR HOUSE ACCOUNT3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.01% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST. AUGUSTINE, FL 32080 | BLUE CROSS BLUE SHIELD OF FLORIDA | $3K | — | $3K | 4.00% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES INC | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 12.39% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST. AUGUSTINE, FL 32080 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 2.62% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES INC | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 12.43% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST. AUGUSTINE, FL 32080 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 2.57% |
| JEAN WILLIAMS III3 | 7077 BONNEVAL RD STE 380 JACKSONVILLE, FL 32216 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $293 | — | $293 | 0.49% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 7.49% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL | 1200 PLANTATION ISLAND DR S STE 210 ST. AUGUSTINE, FL 32080 | UNION SECURITY INSURANCE COMPANY | $730 | — | $730 | 2.53% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | UNION SECURITY INSURANCE COMPANY | $205K | — | $205K | 751.49% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST. AUGUSTINE, FL 32080 | UNION SECURITY INSURANCE COMPANY | $68K | — | $68K | 249.55% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES INC | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 12.51% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST. AUGUSTINE, FL 32202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $204 | — | $204 | 2.48% |
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 | 402 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 404 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 234 | $2.2M |
| Dental(2 contracts) | UNION SECURITY INSURANCE COMPANY | 178 | $174K |
| Vision | UNION SECURITY INSURANCE COMPANY | 257 | $29K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 402 | $60K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 191 | $63K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 198 | $116K |
| Prescription drug(4 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 234 | $2.2M |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 402 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 402 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.