| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CARRION, LAFFITTE & CASELLAS, INC.3 | PO BOX 195556 SAN JUAN, PR 009195556 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | — | $17K | 12.50% |
| CARRION, LAFFITTE & CASELLAS, INC.3 Filed as: CARRION, LAFFITEE & CASELLAS, INC. | PO BOX 195556 SAN JUAN, PR 009195556 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 10.00% |
| CARRION, LAFFITTE & CASELLAS, INC.3 | PO BOX 19556 SAN JUAN, PR 009195556 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BLVD WOODBURY, NY 11797 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 5.00% |
| POPULAR RISK SERVICES, LLC3 Filed as: POPULAR INSURANCE AGENCY USA, INC | 703 PCB GENERAL ACCOUNTING SAN JUAN, PR 00936 | AETNA LIFE INSURANCE CO. | $389 | — | $389 | 0.68% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE | 1065 AVENUE OF THE AMERICAS NEW YORK, NY 100180831 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 7.33% |
| POPULAR RISK SERVICES, LLC3 Filed as: POPULAR INSURANCE AGENCY USA INC | PO BOX 362708 SAN JUAN, PR 009362708 | UNITEDHEALTHCARE INSURANCE COMPANY | $897 | — | $897 | 1.83% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BLVD WOODBURY, NY 11797 | AETNA LIFE INSURANCE CO. | $6K | — | $6K | 13.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BLVD WOODBURY, NY 11797 | AETNA LIFE INSURANCE CO. | $1K | — | $1K | 5.01% |
| POPULAR RISK SERVICES, LLC3 Filed as: POPULAR INSURANCE AGENCY USA, INC | 703 PCB GENERAL ACCOUNTING SAN JUAN, PR 00936 | AETNA LIFE INSURANCE CO. | $177 | — | $177 | 0.68% |
| CARRION, LAFFITTE & CASELLAS, INC.3 | PO BOX 195556 SAN JUAN, PR 009195556 | AMERICAN ALTERNATIVE INSURANCE CORPORATION | $2K | — | $2K | 10.00% |
| GLOBAL INSURANCE AGENCY, INC.3 | PO BOX 9023918 SAN JUAN, PR 009023918 | AMERICAN ALTERNATIVE INSURANCE CORPORATION | $1K | — | $1K | 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. DBA LEGALSHIELD | $824 | — | $824 | 16.31% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $471K |
| HUB INTERNATIONAL NORTHEAST LIMITED EIN 13-3621603 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 | 661 | 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) | 661 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 474 | $227K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 374 | $49K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 653 | $162K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 734 | $196K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 652 | $84K |
| Prescription drug | MC-21 CORPORATION | 378 | $0 |
| Stop-loss / reinsurancereinsurance | AMERICAN ALTERNATIVE INSURANCE CORPORATION | 473 | $25K |
| Other(4 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 661 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 734 | — |
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.