| 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 | $29K | — | $29K | 12.20% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN AND ASSOCIATES | 501 RIVERSIDE AVENUE SUITE 1000 JACKSONVILLE, FL 32202 | COMBINED INSURANCE | $3K | — | $3K | 9.66% |
| ANDREW J CHRISTIANO3 Filed as: ANDREW CHRISTIANO | — | COMBINED INSURANCE | $681 | — | $681 | 2.30% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 274099693 | COMBINED INSURANCE | $501 | — | $501 | 1.69% |
| COMPASS CONSULTING GROUP INC3 Filed as: COMPASS CONSULTING GROUP | — | COMBINED INSURANCE | $183 | — | $183 | 0.62% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL HUDDSON | — | COMBINED INSURANCE | $146 | — | $146 | 0.49% |
| ELIZABETH MARIE LANGEVIN3 Filed as: ELIZABETH RIVERA ROWLANDS | — | COMBINED INSURANCE | $88 | — | $88 | 0.30% |
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 | 260 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 740 | $240K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 740 | $240K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 740 | $240K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 740 | $240K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 740 | $240K |
| Other | COMBINED INSURANCE | 0 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 740 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.