| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IKON BENEFITS GROUP, INC.3 Filed as: IKON BENEFITS GROUP INC | 270 MUNOZ RIVERA/PH 1 SAN JUAN, PR 00918 | TRIPLE S SALUD, INC. | $32K | — | $32K | 5.00% |
| IKON BENEFITS GROUP, INC.3 Filed as: IKON BENEFITS GROUP INC | 270 AVE MUNOZ RIVERA STE PH-1 SAN JUAN, PR 009181909 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | — | $24K | 64.78% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $702 | — | $702 | 1.89% |
| IKON BENEFITS GROUP, INC.3 Filed as: IKON INSURANCE INC | 270 MUNOZ RIVERA/PH1 SAN JUAN, PR 00918 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 17.00% |
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 | 98 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRIPLE S SALUD, INC. | 99 | $636K |
| Dental | TRIPLE S SALUD, INC. | 99 | $636K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 193 | $37K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 102 | $15K |
| Prescription drug | TRIPLE S SALUD, INC. | 99 | $636K |
| Other(2 contracts, 2 carriers) | TRIPLE S SALUD, INC. | 193 | $673K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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.