| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES INC. | 501 RIVERSIDE AVE, STE 200 JACKSONVILLE, FL 322024941 | AETNA LIFE INSURANCE COMPANY | $232K | — | $232K | 2.33% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOC | 501 RIVERSIDE AVE, STE 1000 JACKSONVILLE, FL 32202 | HARTFORD LIFE AND ACCIDENT | $63K | — | $63K | 2.07% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY INC | PO BOX 905494 CHARLOTTE, NC 282905494 | HARTFORD LIFE AND ACCIDENT | — | $17K | $17K | 0.57% |
| AON CONSULTING INC3 | PO BOX 7247-6377 PHILADELPHIA, PA 191706377 | HARTFORD LIFE AND ACCIDENT | $16K | — | $16K | 0.52% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 75 REMITTANCE DRIVE, DEPT 1926 CHICAGO, IL 60675 | HARTFORD LIFE AND ACCIDENT | — | $5K | $5K | 0.18% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE, STE 1000 JACKSONVILLE, FL 322024941 | UNITEDHEALTHCARE INSURANCE COMPANY | $127K | — | $127K | 5.87% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | UNITEDHEALTHCARE INSURANCE COMPANY | $25K | — | $25K | 1.13% |
| THE BOON INSURANCE AGENCY3 | 6300 BRIDGEPOINT PARKWAY AUSTIN, TX 78730 | TRANSAMERICA LIFE INSURANCE COMPANY | $66K | — | $66K | 11.67% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVENUE, SUITE 1000 JACKSONVILLE, FL 32202 | TRANSAMERICA LIFE INSURANCE COMPANY | $19K | — | $19K | 3.30% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | P.O. BOX 905494 CHARLOTTE, NC 28290 | TRANSAMERICA LIFE INSURANCE COMPANY | $11K | — | $11K | 2.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH INS & INVESTMENT CORP | 4 CHASE METROTECH CTR PO BOX 26945 BROOKLYN, NY 112450003 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $74 | $2K | 1.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH INS & INVESTMENT CORP | 4 CHASE METROTECH CTR, FL 7E PO BOX 26945 BROOKLYN, NY 112450003 | METROPOLITAN LIFE INSURANCE COMPANY | — | $430 | $430 | 0.24% |
| ROBYN L PIPER3 Filed as: ROBYN LEIGH PIPER | C/O PIPER JORDAN 2300 W SAHARA VE, STE 800 LAS VEGAS, NV 89102 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22K | — | $22K | 18.52% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 3.71% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE, STE 1000 JACKSONVILLE, FL 322024941 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 15.80% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 4.34% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | UNITEDHEALTHCARE INSURANCE COMPANY | $689 | — | $689 | 29.89% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE, STE 1000 JACKSONVILLE, FL 322024941 | UNITEDHEALTHCARE INSURANCE COMPANY | $93 | — | $93 | 4.03% |
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 | 8,636 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 300 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,936 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | AETNA LIFE INSURANCE COMPANY | 2,681 | $13.6M |
| Dental(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 5,996 | $2.9M |
| Vision(5 contracts, 2 carriers) | EYEMED VISION CARE | 9,315 | $1.5M |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 8,979 | $3.2M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 8,979 | $3.0M |
| Prescription drug(5 contracts, 4 carriers) | AETNA LIFE INSURANCE COMPANY | 2,681 | $13.6M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 8,979 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,315 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.