| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MONTOYA AND ASSOCIATES LLC3 Filed as: MONTOYA & ASSOCIATES LLC | 236 PONTE VEDRA PARK DR PONTE VEDRA BEACH, FL 32082 | AETNA LIFE INSURANCE CO | $97K | — | $97K | 4.79% |
| MONTOYA AND ASSOCIATES LLC3 Filed as: MONTOYA & ASSOCIATES | 4233 PABLO PROFESSIONAL COURT SUITE 200 JACKSONVILLE, FL 32224 | STANDARD INSURANCE COMPANY | $18K | — | $18K | 14.80% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TEX HWY BLDG 2 STE 125 AUSTIN, TX 78740 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 1.72% |
| MONTOYA AND ASSOCIATES LLC3 Filed as: MONTOYA & ASSOCIATES | 4233 PABLO PROFESSIONAL COURT SUITE 200 JACKSONVILLE, GA 32224 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 14.89% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | BLDG 2 STE 125 AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 1.70% |
| MONTOYA AND ASSOCIATES LLC3 Filed as: MONTOYA & ASSOCIATES LLC | 4233 PABLO PROFESSIONAL COURT SUITE 200 JACKSONVILLE, FL 32224 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 14.76% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TX HWY AUSTIN, TN 78746 | STANDARD INSURANCE COMPANY | — | $952 | $952 | 1.71% |
| MONTOYA AND ASSOCIATES LLC3 Filed as: MONTOYA & ASSOCIATES | 4233 PABLO PROFESSIONAL CT STE 201 JACKSONVILLE, FL 32224 | EYEMED | $5K | — | $5K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MONTOYA & ASSOCIATES LLC BROKER | Insurance agents and brokers; Other commissions Service code 22 | 236 PONTE VEDRA PARK DR STE 101 PONTE VEDRA BEACH, FL 32082 | $97K |
| UNION SECURITY INSURANCE EIN 81-0170040 CLAIMS ADMINISTRATOR | Claims processing; Other fees Service code 12 | — | $13K |
| MONTOYA & ASSOCIATES BROKER | Other commissions; Insurance agents and brokers Service code 22 | 237 PONTE VEDRA PARK DR SUITE 101 PONTE VEDRA, FL 32083 | $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 | 282 | 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) | 282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO | 417 | $2.0M |
| Vision | EYEMED | 392 | $0 |
| Life insurance | STANDARD INSURANCE COMPANY | 282 | $120K |
| Short-term disability | STANDARD INSURANCE COMPANY | 135 | $64K |
| Long-term disability | STANDARD INSURANCE COMPANY | 145 | $56K |
| Other | STANDARD INSURANCE COMPANY | 282 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 417 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.