| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MONTOYA AND ASSOCIATES LLC3 | 236 PONTE VEDRA PARK DRIVE SUITE 101 PONTE VEDRA BEACH, FL 32082 | HEALTH OPTIONS INC | $77K | $0 | $77K | 4.50% |
| MONTOYA AND ASSOCIATES LLC3 | 236 PONTE VEDRA PARK DRIVE SUITE 101 PONTE VEDRA BEACH, FL 32082 | BLUE CROSS BLUE SHIELD OF FLORIDA | $52K | $0 | $52K | 4.50% |
| EMPLOYER BENEFIT SYSTEMS INC3 Filed as: EMPLOYER BENEFIT SYSTEMS, INC | 222 INDIANAPOLIS BLVD SUITE 203 SCHERERVILLE, IN 46375 | ANTHEM INSURANCE COMPANIES | $8K | $0 | $8K | 1.16% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY | 1750 E GOLF RD 11TH FLOOR SCHAUMBURG, IL 60173 | ANTHEM INSURANCE COMPANIES | $4K | $0 | $4K | 0.57% |
| INDIANA CHAMBER INSURANCE AGENCY3 | 115 WEST WASHINGTON ST SUITE 850S INDIANAPOLIS, IN 46204 | ANTHEM INSURANCE COMPANIES | $352 | $0 | $352 | 0.05% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY | 1750 E OLF RD 11TH FLOOR SCHAUMBURG, IL 60173 | UNION SECURITY INSURANCE COMPANY | $15K | $0 | $15K | 5.28% |
| MONTOYA AND ASSOCIATES LLC3 | 236 PONTE VEDRA PARK DRIVE SUITE 101 PONTE VEDRA BEACH, FL 32082 | UNION SECURITY INSURANCE COMPANY | $13K | $0 | $13K | 4.72% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY | 1750 E GOLF RD 11TH FLOOR SCHAUMBURG, IL 60173 | UNION SECURITY INSURANCE COMPANY | $3K | $0 | $3K | 5.08% |
| MONTOYA AND ASSOCIATES LLC3 Filed as: MONTOYA AND ASSOCIATES, LLC | 4233 PABLO PROFESSIONAL COURT SUITE 200 JACKSONVILLE, FL 32224 | UNION SECURITY INSURANCE COMPANY | $3K | $0 | $3K | 4.92% |
| EMPLOYER BENEFIT SYSTEMS INC3 Filed as: EMPLOYER BENEFIT SYSTEMS | 222 INDIANAPOLIS BLVD SUITE 203 SCHERERVILLE, IN 46375 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $4K | $7K | 10.00% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY | 1750 E GOLF RD 11TH FLOOR OSAGE BEACH, IL 60173 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 2.75% |
| HORIZON PLANNING GROUP3 | 9000 KEYSTONE CROSS INDIANAPOLIS, IN 46240 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $28 | $0 | $28 | 0.04% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY | 1750 E GOLF RD 11TH FLOOR SCHAUMBURG, IL 60173 | UNION SECURITY INSURANCE COMPANY | $6K | $0 | $6K | 10.28% |
| MONTOYA AND ASSOCIATES LLC3 | 4233 PABLO PROFESSIONAL COURT SUITE 200 JACKSONVILLE, FL 32224 | UNION SECURITY INSURANCE COMPANY | $5K | $0 | $5K | 9.71% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNION SECURITY INSURANCE COMPANY EIN 81-0170040 ASO DENTAL | Claims processing; Insurance agents and brokers; Other fees; Non-monetary compensation Service code 12 | — | $21K |
| ASSURANCE AGENCY BROKER | Other commissions; Insurance agents and brokers Service code 22 | 1750 EAST GOLF ROAD SCHAUMBURG, IL 60173 | $5K |
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 | 371 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 371 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 154 | $1.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 46 | $65K |
| Vision(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 313 | $349K |
| Life insurance(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 313 | $349K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 313 | $284K |
| Long-term disability(2 contracts) | UNION SECURITY INSURANCE COMPANY | 313 | $351K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS INC | 231 | $2.9M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 313 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.