| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GUSTAVO HAEDO LOPEZ3 | 421 MUNOZ RIVERA SUITE 1001 SAN JUAN, PR 00918 | UNITED HEALTHCARE INSURANCE COMPANY | $51K | — | $51K | 2.79% |
| HECTOR LUIS MORENO3 | 250 AVENUE PONCE DE LEON SUITE 502 SAN JUAN, PR 00918 | UNITED HEALTHCARE INSURANCE COMPANY | $35K | — | $35K | 1.88% |
| MARIA V. LANZA3 Filed as: MARIA LANZA | 10197 ANDOVER POINT CIRCLE ORLANDO, FL 32825 | AFLAC | $7K | $443 | $7K | 8.36% |
| THE MASTERS AGENCY INC3 Filed as: THE MASTERS AGENCY INC. | 4334 PENINSULA POINT SANFORD, FL 32771 | AFLAC | $3K | $145 | $3K | 3.20% |
| JOYCE WEBER ENTERPRISES INC3 Filed as: JOYCE WEBER ENT. AND OTHER AGENTS | 13313 FALCON POINTE DRIVE ORLANDO, FL 32837 | AFLAC | $3K | $214 | $3K | 3.20% |
| DH2 ENTERPRISES INC3 Filed as: DH2 ENTERPRISES INC. | 13313 FALCON POINTE DRIVE ORLANDO, FL 32837 | AFLAC | $2K | $89 | $2K | 2.22% |
| STEVEN MARK ABRAMS3 Filed as: STEVEN ABRAMS | 22921 IRONWEDGE DRIVE BOCA RATON, FL 33433 | AFLAC | $828 | — | $828 | 0.94% |
| TLW VENTURES LLC3 | 614 EAST HIGHWAY 50 338 CLERMONT, FL 34711 | AFLAC | $514 | $9 | $523 | 0.59% |
| ROBIN PONCE3 | 2849 ROXBURY ROAD WINTER PARK, FL 32789 | AFLAC | $395 | $29 | $424 | 0.48% |
| GUSTAVO HAEDO LOPEZ3 Filed as: GUSTAVO HAEDO | 420 AVENUE PONCE DE LEON SUITE 1001 SAN JUAN, PR 00918 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.97% |
| IBENEFITS INSURANCE SERVICES, LLC3 | 420 AVENUE PONCE DE LEON SUITE 1001 SAN JUAN, PR 00918 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.98% |
| HAEDO LOPEZ GUSTAVO3 | 420 AVENUE PONCE DE LEON SUITE 1001 SAN JUAN, PR 00918 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 9.95% |
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 | 171 | 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) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 171 | $1.8M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 272 | $69K |
| Vision | HUMANA INSURANCE COMPANY | 140 | $11K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 171 | $1.8M |
| Other | AFLAC | 118 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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.
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.