| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OLYMPIC AGENCY INC3 | 1395 BRICKELL AVE STE 800 MIAMI, FL 33131 | UNITED HEALTH CARE INSURANCE COMPANY | $2.6M | $116K | $2.7M | 104.47% |
| OLYMPIC AGENCY INC3 | 1395 BRICKELL AVE STE 800 MIAMI, FL 33131 | UNITED HEALTH CARE INSURANCE COMPANY | $2.6M | $12K | $2.6M | 100.46% |
| OLYMPIC AGENCY INC3 Filed as: OLYMPIC AGENCY, INC | PMB 370 1353 CARR 19 GUAYNABO, PR 00966 | MCS LIFE INSURANCE COMPANY | $403K | $14K | $417K | 103.46% |
| CGF INSURANCE LLC3 Filed as: CGF INSURANCE, LLC | CAPARRA OFFICE CENTER, SUITE 200 GUAYNABO, PR 00968 | MCS LIFE INSURANCE COMPANY | $403K | $6K | $409K | 101.48% |
| OLYMPIC AGENCY INC3 | 1395 BRICKELL AVE STE 800 MIAMI, FL 33131 | UNITED HEALTCARE INSURANCE COMPANY | $95K | $17K | $112K | 117.67% |
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 | 601 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 601 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTH CARE INSURANCE COMPANY | 486 | $3.0M |
| Dental(2 contracts, 2 carriers) | UNITED HEALTH CARE INSURANCE COMPANY | 486 | $3.0M |
| Vision(2 contracts, 2 carriers) | UNITED HEALTH CARE INSURANCE COMPANY | 486 | $3.0M |
| Life insurance(2 contracts, 2 carriers) | MCS LIFE INSURANCE COMPANY | 135 | $498K |
| Short-term disability | UNITED HEALTCARE INSURANCE COMPANY | 135 | $95K |
| Long-term disability | UNITED HEALTCARE INSURANCE COMPANY | 135 | $95K |
| Prescription drug(2 contracts, 2 carriers) | UNITED HEALTH CARE INSURANCE COMPANY | 486 | $3.0M |
| Other | UNITED HEALTCARE INSURANCE COMPANY | 135 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 486 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.