| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH SALDANA | PO BOX 9023549 SAN JUAN, PR 009023549 | TRIPLE S SALUD, INC. | $87K | — | $87K | 3.75% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP SE | 55 BROADWAY, SUITE 701 NEW YORK, NY 10006 | JOHN HANCOCK LIFE INSURANCE COMPANY USA | $58K | — | $58K | 4.80% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES | 300 JERICHO QUADRANGLE, SUITE 300 WEST JERICHO, NY 11753 | ZURICH AMERICAN INSURANCE COMPANY | $121K | — | $121K | 15.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES | 300 JERICHO QUADRANGLE SUITE 300 WEST JERICHO, NY 11753 | ZURICH AMERICAN INSURANCE COMPANY | $35 | — | $35 | 15.02% |
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 | 15,369 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 374 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 417 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 16,160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 7 carriers) | TRIPLE S SALUD, INC. | 258 | $5.1M |
| Dental | TRIPLE S SALUD, INC. | 258 | $2.3M |
| Vision | VISION SERVICE PLAN | 9,434 | $2.5M |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 15,556 | $25.3M |
| Long-term disability | AETNA LIFE INSURANCE CO. | 15,556 | $21.3M |
| Prescription drug(2 contracts, 2 carriers) | TRIPLE S SALUD, INC. | 258 | $2.7M |
| Other(5 contracts, 4 carriers) | TRIPLE S SALUD, INC. | 15,960 | $4.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,960 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.