| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GUSTAVO HAEDO LOPEZ3 | VILLA HUCAR CALLE ROBLES SUITE C-10 SAN JUAN, PR 00926 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $50K | $56K | 3.34% |
| HECTOR LUIS MORENO3 | 1225 AVENUE PONCE DE LEON SUITE 1104 SAN JUAN, PR 00907 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $13K | $14K | 0.85% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA, INC. | 1855 WEST STATE ROAD, SUITE 434 LONGWOOD, FL 32750 | UNITEDHEALTHCARE INSURANCE COMPANY | -$34 | $0 | -$34 | -0.00% |
| MARIA V. LANZA3 | 10197 ANDOVER POINT CIRCLE ORLANDO, FL 32825 | AFLAC | $2K | $264 | $2K | 7.91% |
| INS OFFICE OF AMERICA INC3 Filed as: INS OFFICE OF AMER AND OTHER AGENTS | 100 GALLERIA PARKWAY SE ATLANTA, GA 30339 | AFLAC | $988 | $50 | $1K | 3.36% |
| STEVEN MARK ABRAMS3 | 22921 IRONWEDGE DRIVE BOCA RATON, FL 33433 | AFLAC | $515 | $38 | $553 | 1.79% |
| DH2 ENTERPRISES INC3 Filed as: DH2 ENTERPRISES, INC. | 13313 FALCON POINT DRIVE ORLANDO, FL 32837 | AFLAC | $492 | $56 | $548 | 1.77% |
| THE MASTERS AGENCY INC3 Filed as: THE MASTERS AGENCY, INC. | 4192 PENINSULA POINT SANFORD, FL 32771 | AFLAC | $217 | $0 | $217 | 0.70% |
| JOSIE A. IRIZARRY3 | 456 MISTY LANE LEWISVILLE, TX 75067 | AFLAC | $152 | $38 | $190 | 0.61% |
| AIDA A. FLORES RIVERA3 | 239 CALLE 4 TRUJILLO ALTO, PR 00976 | AFLAC | $103 | $0 | $103 | 0.33% |
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 | 178 | 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) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 178 | $1.7M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 178 | $1.7M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 178 | $1.7M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 178 | $1.7M |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 178 | $1.7M |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 178 | $1.7M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 178 | $1.7M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 178 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.