| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GUSTAVO HAEDO LOPEZ3 | 420 AVENUE PONCE DE LEON SUITE 1001 SAN JUAN, PR 00918 | UNITEDHEALTHCARE INSURANCE COMPANY | $16K | $94K | $109K | 3.60% |
| HECTOR LUIS MORENO3 | 1225 AVENU PONCE DE LEON SUITE 1104 SAN JUAN, PR 00907 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $2K | $5K | 0.16% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC. | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | UNITEDHEALTHCARE INSURANCE COMPANY | -$11K | $11K | -$189 | -0.01% |
| MARIA V. LANZA3 | 10197 ANDOVER POINT CIRCLE ORLANDO, FL 32825 | AFLAC | $6K | $451 | $6K | 9.34% |
| LISANDRA GONZALEZ AND OTHER AGENTS3 | 5901 MONTROSE ROAD APARTMENT C404 ROCKVILLE, MD 20852 | AFLAC | $3K | $182 | $3K | 4.97% |
| DH2 ENTERPRISES INC3 Filed as: DH2 ENTERPRISES INC. | 13313 FALCON POINTE DRIVE ORLANDO, FL 32837 | AFLAC | $1K | $45 | $1K | 1.87% |
| STEVEN MARK ABRAMS3 | 22921 IRONWEDGE DRIVE BOCA RATON, FL 33433 | AFLAC | $1K | $72 | $1K | 1.62% |
| ANTHONY JAMES BUSBY3 | 4131 MAIDU COURT SAINT CLOUD, FL 34772 | AFLAC | $787 | $0 | $787 | 1.14% |
| JOSE IRIZARRY3 Filed as: JOSE A. IRIZARRY | 456 MISTY LANE LEWISVILLE, TX 75067 | AFLAC | $543 | $0 | $543 | 0.78% |
| THE MASTERS AGENCY INC3 Filed as: THE MASTERS AGENCY INC. | 4192 PENNISULA POINT SANFORD, FL 32771 | AFLAC | $452 | $0 | $452 | 0.65% |
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 | 460 | 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) | 460 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 715 | $3.0M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 715 | $3.0M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 715 | $3.0M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 715 | $3.0M |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 715 | $3.0M |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 715 | $3.0M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 715 | $3.0M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 715 | $3.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 715 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.