| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CARRION, LAFFITTE & CASELLAS, INC.3 | PO BOX 195556 SAN JUAN, PR 009195556 | MONUMENTAL LIFE | $30K | — | $30K | 10.00% |
| GLOBAL INSURANCE AGENCY, INC.3 | PO BOX 9023918 SAN JUAN, PR 009023918 | MONUMENTAL LIFE | $15K | — | $15K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BLVD WOODBURY, NY 11797 | AETNA LIFE INSURANCE CO. | $16K | — | $16K | 6.89% |
| POPULAR RISK SERVICES, LLC3 Filed as: POPULAR INSURANCE AGENCY USA, INC | 9600 W BRYN MAWR AVE. 4TH FLR ROSEMONT, IL 60018 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 0.77% |
| POPULAR RISK SERVICES, LLC3 Filed as: POPULAR INSURANCE AGENCY USA, INC | 703 PCB GENERAL ACCOUNTING SAN JUAN, PR 00936 | AETNA LIFE INSURANCE CO. | $386 | — | $386 | 0.17% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BLVD WOODBURY, NY 11797 | AETNA LIFE INSURANCE CO. | $16K | — | $16K | 8.40% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BLVD WOODBURY, NY 11797 | AETNA LIFE INSURANCE CO. | $6K | — | $6K | 6.40% |
| POPULAR RISK SERVICES, LLC3 Filed as: POPULAR INSURANCE AGENCY USA, INC | 9600 W BRYN MAWR AVE. 4TH FLR ROSEMONT, IL 60018 | AETNA LIFE INSURANCE CO. | $696 | — | $696 | 0.70% |
| POPULAR RISK SERVICES, LLC3 Filed as: POPULAR INSURANCE AGENCY USA, INC | 703 PCB GENERAL ACCOUNTING SAN JUAN, PR 00936 | AETNA LIFE INSURANCE CO. | $165 | — | $165 | 0.17% |
| POPULAR RISK SERVICES, LLC3 Filed as: POPULAR INSURANCE AGENCY USA INC | 703 PCB GENERAL ACCOUNTING SAN JUAN, PR 00936 | AETNA LIFE INSURANCE CO. | $244 | — | $244 | 0.36% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BLVD WOODBURY, NY 11797 | AETNA LIFE INSURANCE CO. | $117 | — | $117 | 0.17% |
| POPULAR RISK SERVICES, LLC3 Filed as: POPULAR INSURANCE AGENCY USA INC. | 9600 W BRYN MAWR AVE ROSEMONT, IL 60018 | AETNA LIFE INSURANCE CO. | -$289 | — | -$289 | -0.42% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE | 1065 AVENUE OF THE AMERICAS NEW YORK, NY 100180831 | VISION SERVICE PLAN | $3K | — | $3K | 5.00% |
| RHONA S UNSELL INC4 Filed as: RHONA S. UNSELL INC. | SUITE 370 152 6525 GUNPARK DRIVE BOULDER, CO 80301 | PRE PAID LEGAL SERVICES, INC. | $2K | — | $2K | 18.40% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD CO. | 1360 E 9TH ST STE 600 CLEVELAND, OH 44114 | CAREBRIDGE CORPORATION | $281 | — | $281 | 3.23% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $456K |
| HUB INTERNATIONAL NORTHEAST LIMITED EIN 36-4473714 BROKER | Other commissions Service code 55 | — | $0 |
| POPULAR INSURANCE AGENCY USA INC. EIN 36-4473714 BROKER | Other commissions Service code 55 | — | $0 |
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 | 7,827 | 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) | 7,827 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 321 | $68K |
| Vision | VISION SERVICE PLAN | 399 | $67K |
| Life insurance | AETNA LIFE INSURANCE CO. | 596 | $187K |
| Short-term disability | AETNA LIFE INSURANCE CO. | 680 | $227K |
| Long-term disability | AETNA LIFE INSURANCE CO. | 588 | $99K |
| Stop-loss / reinsurancereinsurance | MONUMENTAL LIFE | 7,827 | $304K |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 866 | $207K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,827 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.