| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CGF INSURANCE LLC3 | 22 AVENIDA GONZALEZ GIUSTI CAPARRA OFFICE CENTER STE 200 GUAYNABO, PR 00966 | TRIPLE S SALUD INC. | $1.1M | $57K | $1.2M | 104.95% |
| EASTERN INSURANCE GROUP LLC3 Filed as: EASTERN AMERICA INSURANCE AGENCY | PO BOX 193900 SAN JUAN, PR 00919 | FIRST MEDICAL HEALTH PLAN, INC. | $870K | $60K | $930K | 106.90% |
| CGF INSURANCE LLC3 Filed as: CGF INSURANCE | 22 AVENIDA GONZALEZ GIUSTI CAPARRA OFFICE CENTER STE 200 GUAYNABO, PR 00968 | DELTA DENTAL OF PUERTO RICO, INC. | $116K | $6K | $122K | 105.05% |
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 | 444 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 444 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TRIPLE S SALUD INC. | 305 | $2.0M |
| Dental | DELTA DENTAL OF PUERTO RICO, INC. | 444 | $116K |
| Vision | FIRST MEDICAL HEALTH PLAN, INC. | 305 | $870K |
| Life insurance | FIRST MEDICAL HEALTH PLAN, INC. | 305 | $870K |
| Long-term disability | TRIPLE S SALUD INC. | 280 | $1.1M |
| Prescription drug | FIRST MEDICAL HEALTH PLAN, INC. | 305 | $870K |
| Other | TRIPLE S SALUD INC. | 280 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 444 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.