| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CGF INSURANCE LLC3 Filed as: CGF INSURANCE, LLC. | 22 GONZALEZ GIUSTI STE 200 GUAYNABO, PR 00966 | PLAN DE SALUD MENONITA, INC. | $28K | — | $28K | 3.43% |
| OLYMPIC AGENCY INC3 Filed as: OLYMPIC AGENCY, INC. | PMB 273 1353 CARR 19 GUAYNABO, PR 009662700 | DELTA DENTAL OF PUERTO RICO, INC. | $1K | — | $1K | 1.50% |
| CGF INSURANCE LLC3 Filed as: CGF INSURANCE, LLC. | 22 AVENIDA GONZALEZ GIUSTI CAPARRA OFFICE CENTER STE 200 GUAYNABO, PR 009683011 | DELTA DENTAL OF PUERTO RICO, INC. | $1K | — | $1K | 1.50% |
| OLYMPIC AGENCY INC3 Filed as: OLYMPIC AGENCY, INC. | PMB 273 1353 CARR 19 GUAYNABO, PR 009662700 | TRIPLE-S VIDA, INC. | $6K | — | $6K | 18.00% |
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 | 475 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 475 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PLAN DE SALUD MENONITA, INC. | 534 | $1.1M |
| Dental | DELTA DENTAL OF PUERTO RICO, INC. | 476 | $90K |
| Life insurance | TRIPLE-S VIDA, INC. | 571 | $36K |
| Other(3 contracts, 3 carriers) | PLAN DE SALUD MENONITA, INC. | 571 | $870K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 571 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.