| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MONTOYA AND ASSOCIATES LLC3 Filed as: MONTOYA AND ASSOCIATES | 236 PONTE VEDRA PARK DR SUITE 101 PONTE VEDRA BEACH, FL 32082 | UNION SECURITY INSURANCE COMPANY | $59K | $5K | $65K | 13.85% |
| MONTOYA AND ASSOCIATES LLC3 Filed as: MONTOYA AND ASSOCIATES | 4233 PABLO PROFESSIONAL COURT SUITE 200 JACKSONVILLE, FL 32224 | UNION SECURITY INSURANCE COMPANY | $16K | $2K | $18K | 13.71% |
| DAILYFEATS INC.3 Filed as: DAILYFEATS INC | 101 TREMONT ST FL 11 BOSTON, MA 02108 | UNION SECURITY INSURANCE COMPANY | $0 | $3K | $3K | 2.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MONTOYA AND ASSOCIATES BROKER | Insurance agents and brokers Service code 22 | 4233 PABLO PROFESSIONAL CT SUITE 201 JACKSONVILLE, FL 32224 | $141K |
| BALDWIN KRYSTYN SHERMAN PARTNERS BROKER | Insurance agents and brokers Service code 22 | 4010 W BOYSCOUT BLVD SUITE 200 TAMPA, FL 33607 | $0 |
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 | 439 | 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) | 439 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 439 | $2.9M |
| Dental | UNION SECURITY INSURANCE COMPANY | 361 | $467K |
| Vision | UNION SECURITY INSURANCE COMPANY | 361 | $467K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 163 | $130K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 361 | $467K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 361 | $467K |
| Other | UNION SECURITY INSURANCE COMPANY | 163 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 439 | — |
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.