| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OLYMPIC AGENCY INC3 | BRICKELL AVE 1395 STE 800 MIAMI, FL 33131 | UNNITED HEALTHCARE INSURANCE COMPANY | $4.2M | $129K | $4.3M | 103.08% |
| GUSTAVO HAEDO LOPEZ3 | VILLA HUCAR CALLE ROBLES C-10 SAN JUAN, PR 00926 | UNNITED HEALTHCARE INSURANCE COMPANY | $4.2M | $68K | $4.3M | 101.63% |
| HECTOR LUIS MORENO3 | 1225 AVE PONCE DE LEON STE 1104 SAN JUAN, PR 00926 | UNNITED HEALTHCARE INSURANCE COMPANY | $4.2M | $12K | $4.2M | 100.29% |
| OLYMPIC AGENCY INC3 | PMB 370 1353 CARR 19 GUAYNABO, PR 00956 | MCS LIFE INSURANCE COMPANY | $559K | $15K | $574K | 102.65% |
| CFG INSURANCE3 Filed as: CFG INSURANCE LLC | CAPARRA OFFICE CENTER 200 22 GONZALEZ GUISTI AVE GUAYNABO, PR 00968 | MCS LIFE INSURANCE COMPANY | $559K | $6K | $565K | 101.13% |
| GUSTAVO HAEDO LOPEZ3 | 1225 PONCE DE LEON AVE SUITE 1104 SAN JUAN, PR 00907 | MCS LIFE INSURANCE COMPANY | $559K | $5K | $563K | 100.82% |
| IBENEFITS INSURANCE SERVICES, LLC3 Filed as: IBENEFITS INSURANCE SERVICES | 1225 PONCE DE LEON AVE SUITE 1104 SAN JUAN, PR 00907 | MCS LIFE INSURANCE COMPANY | $559K | $2K | $561K | 100.35% |
| OLYMPIC AGENCY INC3 | BRICKELL AVE 1395 STE 800 MIAMI, FL 33131 | UNITED HEALTHCARE INSURANCE COMPANY | $138K | $6K | $145K | 104.64% |
| LOPEZ GUSTAVO3 | 2221 63RD ST KENOSHA, WI 53143 | UNITED HEALTHCARE INSURANCE COMPANY | $138K | $2K | $141K | 101.65% |
| MORENO HECTOR L3 | 1225 AVE PONCE DE LEON STE 1104 SAN JUAN, PR 00907 | UNITED HEALTHCARE INSURANCE COMPANY | $138K | $500 | $139K | 100.36% |
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 | 525 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 544 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNNITED HEALTHCARE INSURANCE COMPANY | 409 | $4.7M |
| Dental(2 contracts, 2 carriers) | UNNITED HEALTHCARE INSURANCE COMPANY | 409 | $4.7M |
| Vision(2 contracts, 2 carriers) | UNNITED HEALTHCARE INSURANCE COMPANY | 409 | $4.7M |
| Life insurance(4 contracts, 2 carriers) | MCS LIFE INSURANCE COMPANY | 195 | $974K |
| Short-term disability(3 contracts) | UNITED HEALTHCARE INSURANCE COMPANY | 195 | $415K |
| Long-term disability(3 contracts) | UNITED HEALTHCARE INSURANCE COMPANY | 195 | $415K |
| Prescription drug(2 contracts, 2 carriers) | UNNITED HEALTHCARE INSURANCE COMPANY | 409 | $4.7M |
| Other(3 contracts) | UNITED HEALTHCARE INSURANCE COMPANY | 195 | $415K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 409 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.