| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IKON BENEFITS GROUP, INC.3 Filed as: IKON BENEFITS GROUP INC | — | TRIPLE-S SALUD, INC. | $42K | — | $42K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE INSURANCE COMPANY EIN 41-1289245 NONE | Claims processing; Direct payment from the plan; Other services Service code 12 | — | $14.4M |
| CIGNA HEALTH & LIFE INSURANCE EIN 59-1031071 NONE | Direct payment from the plan; Named fiduciary; Participant communication; Other services; Claims processing; Contract Administrator; Float revenue Service code 12 | — | $2.1M |
| GENEX SERVICES LLC EIN 95-3327434 NONE | Direct payment from the plan; Other services Service code 49 | — | $1.0M |
| BEST DOCTORS EIN 04-2908444 NONE | Other services; Direct payment from the plan Service code 49 | — | $591K |
| FAMILY GUIDANCE, INC. EIN 52-1883918 NONE | Claims processing; Direct payment from the plan; Other services Service code 12 | — | $294K |
| JACKSON LEWIS P.C. EIN 46-3862389 NONE | Legal; Direct payment from the plan Service code 29 | — | $77K |
| CVS PHARMACY, INC EIN 05-0340626 NONE | Claims processing; Other services; Direct payment from the plan Service code 12 | — | $39K |
| SSDC SERVICES CORP. EIN 38-3357459 NONE | Participant communication; Other fees; Direct payment from the plan; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $29K |
| CITIBANK EIN 13-3124140 NONE | Account maintenance fees; Other services; Direct payment from the plan Service code 49 | — | $19K |
| THOMPSON HINE LLP EIN 34-0575300 NONE | Legal; Direct payment from the plan Service code 29 | — | $11K |
| FOSTER LAW LLP NONE | Legal; Direct payment from the plan Service code 29 | 260 NORTHLAND BOULEVARD, #229 CINCINNATI, OH 45246 | $8K |
| STATE STREET BANK AND TRUST COMPANY EIN 04-1867445 NONE | Trustee (directed); Direct payment from the plan; Other fees Service code 25 | — | $7K |
| CIGNA HEALTH & LIFE INSURANCE CO. | Participant communication; Other services; Contract Administrator; Non-monetary compensation; Named fiduciary; Float revenue; Direct payment from the plan; Claims processing Service code 12 | — | $0 |
| CIGNA HEALTH & LIFE INSURANCE CO.. | Float revenue; Contract Administrator; Named fiduciary; Direct payment from the plan; Claims processing; Non-monetary compensation; Other services; Participant communication Service code 12 | — | $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 | 22,196 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 57 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 22,253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TRIPLE-S SALUD, INC. | 128 | $909K |
| Dental | TRIPLE-S SALUD, INC. | 128 | $846K |
| Prescription drug(2 contracts, 2 carriers) | TRIPLE-S SALUD, INC. | 128 | $909K |
| Other | TRIPLE-S SALUD, INC. | 128 | $846K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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."
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.