| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GUSTAVO HAEDO LOPEZ3 | 420 AVENUE PONCE DE LEON SUITE 1001 SAN JUAN, PR 00918 | UNITED HEALTHCARE INSURANCE COMPANY | — | $71K | $71K | 3.23% |
| HECTOR LUIS MORENO3 | 1225 AVENUE PONCE DE LEON SUITE 1104 SAN JUAN, PR 00907 | UNITED HEALTHCARE INSURANCE COMPANY | — | $48K | $48K | 2.17% |
| MARIA V. LANZA3 Filed as: MARIA LANZA | 10197 ANDOVER POINT CIRCLE ORLANDO, FL 32825 | AFLAC | $8K | $481 | $8K | 7.59% |
| STEVEN MARK ABRAMS3 Filed as: STEVEN ABRAMS | 22921 IRONWEDGE DRIVE BOCA RATON, FL 33433 | AFLAC | $4K | $157 | $4K | 3.65% |
| THE MASTERS AGENCY INC3 Filed as: THE MASTERS AGENCY INC. | 4334 PENINSULA POINT SANFORD, FL 32771 | AFLAC | $3K | $155 | $3K | 2.73% |
| DH2 ENTERPRISES INC3 Filed as: DH2 ENTERPRISES INC. | 13313 FALCON POINTE DRIVE ORLANDO, FL 32837 | AFLAC | $2K | $100 | $2K | 1.97% |
| EUGEAN VANHORN3 | 18351 LOST KNIFE CIRCLE, SUITE 302 MONTGOMERY VILLAGE, MD 20886 | AFLAC | $1K | — | $1K | 1.21% |
| TLW VENTURES LLC3 | 614 EAST HIGHWAY 50 338 CLERMONT, FL 34711 | AFLAC | $780 | $97 | $877 | 0.80% |
| GABRIELLE VAN HORN3 | 18351 LOST KNIFE CIRCLE, SUITE 302 MONTGOMERY VILLAGE, MD 20886 | AFLAC | $729 | — | $729 | 0.66% |
| GUSTAVO HAEDO LOPEZ3 Filed as: GUSTAVO HAEDO | 420 AVENUE PONCE DE LEON SUITE 1001 SAN JUAN, PR 00918 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.79% |
| IBENEFITS INSURANCE SERVICES, LLC3 | 420 AVENUE PONCE DE LEON SUITE 1001 SAN JUAN, PR 00918 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.86% |
| HAEDO LOPEZ GUSTAVO3 | 420 AVENUE PONCE DE LEON SUITE 1001 SAN JUAN, PR 00918 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 8.90% |
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 | 176 | 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) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 171 | $2.2M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 309 | $79K |
| Vision | HUMANA INSURANCE COMPANY | 148 | $12K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 171 | $2.2M |
| Other | AFLAC | 136 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 309 | — |
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.