| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MONTOYA AND ASSOCIATES LLC3 Filed as: MONTOYA & ASSOCIATES, LLC | 236 POINTE VEDRA PARK DR. STE 101 POINTE BEDRA BEACH, FL 32082 | BLUE CROSS BLUE SHIELD OF FLORIDA | $60K | $0 | $60K | 4.00% |
| MONTOYA AND ASSOCIATES LLC3 | 236 POINTE VEDRA PARK DRIVE STE 101 POINTE VEDRA BEACH, FL 32082 | UNION SECURITY INSURANCE COMPANY | $21K | $0 | $21K | 9.54% |
| MONTOYA AND ASSOCIATES LLC3 Filed as: MONTOYA & ASSOCIATES, LLC | 236 POINTE VEDRA PARK DR. STE 101 POINTE VEDRA BEACH, FL 32082 | HEALTH OPTIONS, INC | $9K | $0 | $9K | 4.00% |
No Schedule C service providers reported on this filing.
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 | 230 | 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) | 230 | 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 | 199 | $1.7M |
| Dental | UNION SECURITY INSURANCE COMPANY | 183 | $224K |
| Vision | UNION SECURITY INSURANCE COMPANY | 183 | $224K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 183 | $224K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 183 | $224K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 183 | $224K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 199 | $1.7M |
| Other | UNION SECURITY INSURANCE COMPANY | 183 | $224K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.