| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IKON BENEFITS GROUP, INC.3 Filed as: IKON BENEFITS GROUP INC | — | TRIPLE-S SALUD, INC. | $41K | — | $41K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE INSURANCE COMPANY EIN 41-1289245 NONE | Claims processing; Other services; Direct payment from the plan Service code 12 | — | $16.8M |
| CIGNA HEALTH & LIFE INSURANCE EIN 59-1031071 NONE | Claims processing; Float revenue; Other services; Participant communication; Direct payment from the plan; Contract Administrator; Named fiduciary Service code 12 | — | $2.0M |
| GENEX SERVICES LLC EIN 95-3327434 NONE | Other services; Direct payment from the plan Service code 49 | — | $577K |
| BEST DOCTORS EIN 04-2908444 NONE | Direct payment from the plan; Other services Service code 49 | — | $551K |
| FAMILY GUIDANCE, INC. EIN 52-1883918 NONE | Other services; Claims processing; Direct payment from the plan Service code 12 | — | $294K |
| JACKSON LEWIS P.C. EIN 46-3862389 NONE | Legal; Direct payment from the plan Service code 29 | — | $186K |
| DINSMORE & SHOHL NONE | Legal; Direct payment from the plan Service code 29 | 255 E 5TH ST STE 1900 CINCINNATI, OH 45202 | $38K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $33K |
| FOSTER LAW FIRM, LLP NONE | Legal; Direct payment from the plan Service code 29 | 25 MILLS AVENUE GREENVILLE, SC 29605 | $20K |
| CITIBANK EIN 13-3124140 NONE | Other services; Direct payment from the plan; Account maintenance fees Service code 49 | — | $17K |
| POND LEHOCKY GIORDAN NONE | Legal; Direct payment from the plan Service code 29 | 2005 MARKET STREET, 18TH FLOOR PHILADELPHIA, PA 19103 | $7K |
| CIGNA HEALTH & LIFE INSURANCE CO. | Named fiduciary; Direct payment from the plan; Contract Administrator; Non-monetary compensation; Claims processing; Float revenue; 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 | 20,603 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 85 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 20,688 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TRIPLE-S SALUD, INC. | 113 | $863K |
| Dental | TRIPLE-S SALUD, INC. | 113 | $821K |
| Prescription drug(2 contracts, 2 carriers) | TRIPLE-S SALUD, INC. | 113 | $863K |
| Other | TRIPLE-S SALUD, INC. | 113 | $821K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 113 | — |
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.