| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOICATES INC. | 501 RIVERSIDE AVE. SUITE 1000 JACKSONVILLE, FL 32202 | PRINCIPAL LIFE INSURANCE COMPANY | $18K | — | $18K | 11.83% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN AND ASSOCIATES | 501 RIVERSIDE AVENUE SUITE 1000 JACKSONVILLE, FL 32202 | COMBINED INSURANCE | $7K | — | $7K | 14.08% |
| DAVID J MCCLELLAN3 Filed as: DAVID LELI | — | COMBINED INSURANCE | $5K | — | $5K | 10.56% |
| ANDREW J CHRISTIANO3 Filed as: ANDREW CHRISTIANO | — | COMBINED INSURANCE | $1K | — | $1K | 3.08% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 274099693 | COMBINED INSURANCE | $758 | — | $758 | 1.63% |
| COMPASS CONSULTING GROUP INC3 Filed as: COMPASS CONSULTING GROUP | — | COMBINED INSURANCE | $365 | — | $365 | 0.78% |
| ELIZABETH MARIE LANGEVIN3 Filed as: ELIZABETH RIVERA ROWLANDS | — | COMBINED INSURANCE | $364 | — | $364 | 0.78% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL HUDDSON | — | COMBINED INSURANCE | $305 | — | $305 | 0.65% |
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 | 209 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 261 | $148K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 261 | $148K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 261 | $148K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 261 | $148K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 261 | $148K |
| Other | COMBINED INSURANCE | 0 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.