| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 322024941 | UNITED HEALTHCARE INSURANCE COMPANY | — | $95K | $95K | 4.85% |
| GREENE-HAZEL & ASSOCS INC3 Filed as: GREENE-HAZEL & ASSOCIATES, INC. | 10739 DEERWOOD PARK BLVD SUITE 200 JACKSONVILLE, FL 322562873 | UNITED HEALTHCARE INSURANCE COMPANY | — | $8K | $8K | 0.41% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES INC | 201 RIVERSIDE AVENUE STE 1000 JACKSONVILLE, FL 32202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $34K | — | $34K | 10.00% |
| BENETEK CORPORATION3 | 4275 WEST SAND LAKE ROAD ORLANDO, FL 32819 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 3.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL FLORIDA | 4830 WEST KENNEDY BLVD SUITE 850 TAMPA, FL 33609 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $6K | $11K | 3.24% |
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 | 280 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 445 | $2.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 315 | $342K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 315 | $342K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 315 | $342K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 315 | $342K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 315 | $342K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 315 | $342K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 445 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.