| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MONTOYA AND ASSOCIATES LLC3 Filed as: MONTOYA AND ASSOCIATES | 236 PONTE VEDRA PARK DRIVE PONTE VEDRA BEACH, FL 32082 | NEIGHBORHOOD HEALTH PARTNERSHIP | $0 | $35K | $35K | 2.55% |
| EBS ADVISORS, INC3 Filed as: EBS ADVISORS | 2805 EAST OAKLAND PARK BLVD #450 FT LAUDERDALE, FL 33306 | NEIGHBORHOOD HEALTH PARTNERSHIP | $0 | $25K | $25K | 1.81% |
| EMPLOYEE BENEFIT SERVICES3 Filed as: EMPLOYEE BENEFIT ADVISORS LLC | 5281 SW 14TH STREET PLANTATION, FL 33317 | NEIGHBORHOOD HEALTH PARTNERSHIP | $0 | $12K | $12K | 0.90% |
| MONTOYA AND ASSOCIATES LLC3 | 236 PONTE VEDRA PARK PONTE VEDRA BEACH, FL 32082 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 6.41% |
| MAUREEN PENTLAND3 Filed as: MAUREEN D PENTLAND | 2805 E. OAKLAND PARK BLVD SUITE 450 FORT LAUDERDALE, FL 33306 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 4.52% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE BENEFITS ADVISORS LLC | 5281 SW 14TH STREET PLANTATION, FL 33317 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 2.23% |
| EBS ADVISORS, INC3 Filed as: EBS ADVISORS | 2805 E OAKLAND PARK BLVD SUITE 450 FORT LAUDERDALE, FL 33306 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $965 | $965 | 3.23% |
| EMPLOYEE BENEFIT SERVICES3 Filed as: EMPLOYEE BENEFIT ADVISORS LLC | 5281 SW 14TH STREET PLANTATION, FL 33317 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $489 | $489 | 1.64% |
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 | 367 | 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) | 367 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | NEIGHBORHOOD HEALTH PARTNERSHIP | 367 | $1.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 346 | $194K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 346 | $194K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 346 | $194K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 346 | $194K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 346 | $194K |
| Prescription drug | NEIGHBORHOOD HEALTH PARTNERSHIP | 367 | $1.4M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 346 | $194K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 367 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.