| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MONTOYA AND ASSOCIATES LLC3 Filed as: MONTOYA & ASSOCIATES LLC | 4233 PABLO PROFESSIONAL COURT SUITE 200 JACKSONVILLE, FL 32224 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $80K | $80K | 3.09% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOYSCOUT BLVD #200 TAMPA, FL 33607 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $63K | $63K | 2.42% |
| MONTOYA AND ASSOCIATES LLC3 Filed as: MONTOYA & ASSOCIATES | 4233 PABLO PROFESSIONAL COURT SUITE 200 JACKSONVILLE, FL 32224 | STANDARD INSURANCE COMPANY | $12K | $0 | $12K | 8.37% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOYSCOUT BLVD #200 TAMPA, FL 33607 | STANDARD INSURANCE COMPANY | $10K | $1K | $11K | 7.42% |
| MONTOYA AND ASSOCIATES LLC3 Filed as: MONTOYA & ASSOCIATES | 4233 PABLO PROFESSIONAL COURT SUITE 200 JACKSONVILLE, GA 32224 | STANDARD INSURANCE COMPANY | $7K | $0 | $7K | 8.17% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOYSCOUT BLVD #200 TAMPA, FL 33607 | STANDARD INSURANCE COMPANY | $5K | $615 | $6K | 7.61% |
| MONTOYA AND ASSOCIATES LLC3 Filed as: MONTOYA & ASSOCIATES LLC | 4233 PABLO PROFESSIONAL COURT SUITE 200 JACKSONVILLE, FL 32224 | STANDARD INSURANCE COMPANY | $8K | $0 | $8K | 12.86% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOYSCOUT BLVD #200 TAMPA, FL 33607 | STANDARD INSURANCE COMPANY | $4K | $493 | $5K | 7.52% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNION SECURITY INSURANCE EIN 81-0170040 CLAIMS ADMINISTRATOR | Claims processing; Other fees Service code 12 | — | $15K |
| MONTOYA & ASSOCIATES LLC BROKER | Insurance agents and brokers; Other commissions Service code 22 | 4233 PABLO PROFESSIONAL COURT STE 101 JACKSONVILLE, FL 32224 | $5K |
| BALDWIN KRYSTYN SHERMAN PARTNERS BROKER | Other commissions; Insurance agents and brokers Service code 22 | 4010 W BOYSCOUT BLVD #200 TAMPA, FL 33607 | $1K |
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 | 324 | 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) | 324 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 537 | $2.6M |
| Life insurance | STANDARD INSURANCE COMPANY | 324 | $145K |
| Short-term disability | STANDARD INSURANCE COMPANY | 154 | $80K |
| Long-term disability | STANDARD INSURANCE COMPANY | 166 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 537 | — |
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.