| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL PUERTO RICO, INC | 255 AVE PONCE DE LEON MCS PLAZA SUITE 700 SAN JUAN, PR 00917 | MCS LIFE INSURANCE COMPANY | $86K | — | $86K | 3.86% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL PUERTO RICO,INC | 255 AVE PONCE DE LEON MCS PLAZA STE 700 SAN JUAN, PR 00917 | TRIPLE S VIDA,INC | $16K | — | $16K | 16.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 255 AVE PONCE DE LEON MCS PLAZA STE 700 SAN JUAN, PR 00917 | TRIPLE S VIDA,INC | $10K | — | $10K | 17.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL PUERTO RICO, INC | 255 AVE PONCE DE LEON MCS PLAZA STE 700 SAN JUAN, PR 00917 | TRIPLE S VIDA, INC | $8K | — | $8K | 17.50% |
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 | 590 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 590 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MCS LIFE INSURANCE COMPANY | 485 | $2.2M |
| Dental | MCS LIFE INSURANCE COMPANY | 485 | $2.2M |
| Life insurance | TRIPLE S VIDA,INC | 590 | $92K |
| Short-term disability | TRIPLE S VIDA,INC | 590 | $56K |
| Long-term disability | TRIPLE S VIDA, INC | 590 | $44K |
| Prescription drug | MCS LIFE INSURANCE COMPANY | 485 | $2.2M |
| Other | TRIPLE S VIDA,INC | 590 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 590 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.