| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MONTOYA AND ASSOCIATES LLC3 Filed as: MONTOYA & ASSOCIATES | 4233 PABLO PROFESSIONAL COURT SUITE 200 JACKSONVILLE, FL 32224 | STANDARD INSURANCE COMPANY | $19K | $1K | $20K | 15.63% |
| MONTOYA AND ASSOCIATES LLC3 Filed as: MONTOYA & ASSOCIATES | 4233 PABLO PROFESSIONAL COURT SUITE 200 JACKSONVILLE, GA 32224 | STANDARD INSURANCE COMPANY | $10K | $531 | $10K | 15.76% |
| MONTOYA AND ASSOCIATES LLC3 Filed as: MONTOYA & ASSOCIATES LLC | 4233 PABLO PROFESSIONAL COURT SUITE 200 JACKSONVILLE, FL 32224 | STANDARD INSURANCE COMPANY | $9K | $456 | $9K | 15.71% |
| MONTOYA AND ASSOCIATES LLC3 Filed as: MONTOYA & ASSOCIATES | 4233 PABLO PROFESSIONAL CT STE 201 JACKSONVILLE, FL 32224 | EYEMED | $3K | $0 | $3K | 10.23% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MONTOYA & ASSOCIATES LLC BROKER | Insurance agents and brokers; Other commissions Service code 22 | 4233 PABLO PROFESSIONAL COURT STE 101 JACKSONVILLE, FL 32224 | $93K |
| MONTOYA & ASSOCIATES BROKER | Insurance agents and brokers; Other commissions Service code 22 | 236 PONTE VEDRA PARK DR SUITE 101 PONTE VEDRA, FL 32083 | $33K |
| UNION SECURITY INSURANCE EIN 81-0170040 CLAIMS ADMINISTRATOR | Claims processing; Other fees Service code 12 | — | $14K |
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 | 309 | 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) | 309 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO | 522 | $2.3M |
| Vision | EYEMED | 454 | $27K |
| Life insurance | STANDARD INSURANCE COMPANY | 309 | $131K |
| Short-term disability | STANDARD INSURANCE COMPANY | 133 | $66K |
| Long-term disability | STANDARD INSURANCE COMPANY | 150 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 522 | — |
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."
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.