| 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 | $5K | $72K | $77K | 3.03% |
| HECTOR LUIS MORENO3 | 1225 AVENUE PONCE DE LEON SUITE 1104 SAN JUAN, PR 00907 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | $48K | $52K | 2.04% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC. | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | $11K | $13K | 0.50% |
| MARIA V. LANZA3 Filed as: MARIA LANZA | 10197 ANDOVER POINT CIRCLE ORLANDO, FL 32825 | AFLAC | $10K | $403 | $10K | 9.24% |
| GABRIELLE VAN HORN3 Filed as: GABRIELLE VAN HORN AND OTHER AGENTS | 18351 LOST KNIFE CIRCLE SUITE 302 MONTGOMERY VILLAGE, MD 20886 | AFLAC | $3K | $207 | $4K | 3.19% |
| DH2 ENTERPRISES INC3 Filed as: DH2 ENTERPRISES INC. | 13313 FALCON POINTE DRIVE ORLANDO, FL 32837 | AFLAC | $2K | $72 | $3K | 2.31% |
| THE MASTERS AGENCY INC3 Filed as: THE MASTERS AGENCY INC. | 4334 PENINSULA POINT SANFORD, FL 32771 | AFLAC | $1K | $126 | $1K | 1.31% |
| TLW VENTURES LLC3 | 614 EAST HIGHWAY 50 338 CLERMONT, FL 34711 | AFLAC | $1K | $72 | $1K | 1.10% |
| EUGEAN VANHORN3 | 18351 LOST KNIFE CIRCLE, SUITE 302 MONTGOMERY VILLAGE, MD 20886 | AFLAC | $759 | $98 | $857 | 0.78% |
| ISAIAS A MINJARES JR3 Filed as: ISAIAS MINJARES | 1031 CARLISLE DRIVE ALLEN, TX 75002 | AFLAC | $793 | — | $793 | 0.72% |
| HAEDO LOPEZ GUSTAVO3 | 420 AVENUE PONCE DE LEON SUITE 1001 SAN JUAN, PR 00918 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 9.91% |
| INSURANCE OFFICE OF AMERICA3 | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | HUMANA INSURANCE COMPANY | $86 | — | $86 | 0.81% |
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 | 168 | 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) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 364 | $2.5M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 364 | $2.5M |
| Vision | HUMANA INSURANCE COMPANY | 168 | $11K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 364 | $2.5M |
| Other | AFLAC | 165 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 364 | — |
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.