| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LUIS R. SOLER VAZQUEZ | 1219 AVE MAGDALENA APT 405 SAN JUAN, PR 009071743 | FIRST MEDICAL HEALTH PLAN, INC. | $27K | — | $27K | 4.87% |
| JESUS M. ROSARIO NARVAEZ | COND. PARQUE DE LA VISTA APT. 330C 1280 CALLE JUAN BAIZ SAN JUAN, PR 00924 | MCS LIFE INSURANCE COMPANY | $20K | — | $20K | 4.95% |
| POPULAR RISK SERVICES, LLC Filed as: POPULAR RISK SERVICES, INC. | PO BOX 71589 SAN JUAN, PR 00936 | FIRST MEDICAL HEALTH PLAN, INC. | $9K | — | $9K | 5.18% |
| OWNER'S RISK INSURANCE MANAGEMENT Filed as: OWNER'S RISK INSURANCE MGMT. INC. | PO BOX 191730 SAN JUAN, PR 009191730 | FIRST MEDICAL HEALTH PLAN, INC. | $6K | — | $6K | 4.71% |
| JESUS M. ROSARIO NARVAEZ | COND PARQUE DE LA VISTA APT 330C 1280 CALLE JUAN BAIZ SAN JUAN, PR 00924 | FIRST MEDICAL HEALTH PLAN, INC. | $6K | — | $6K | 4.89% |
| LUIS R. SOLER VAZQUEZ | 1219 AVE MAGDALENA APT 405 SAN JUAN, PR 009071743 | FIRST MEDICAL HEALTH PLAN, INC. | $5K | — | $5K | 4.94% |
| JESUS M. ROSARIO NARVAEZ | COND PARQUE DE LA VISTA APT 330C 1280 CALLE JUAN BAIZ SAN JUAN, PR 00924 | DELTA DENTAL OF PR, INC. | $3K | — | $3K | 3.50% |
| LUIS R. SOLER VAZQUEZ | 1219 AVE. MAGDALENA APT. 405 SAN JUAN, PR 00907 | DELTA DENTAL OF PR, INC. | $3K | — | $3K | 3.50% |
| POPULAR RISK SERVICES, LLC | PO BOX 71589 SAN JUAN, PR 00936 | DELTA DENTAL OF PR, INC. | $771 | — | $771 | 7.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AIDA L. ORTIZ RODRIGUEZ EIN 58-1415086 EMPLOYEE | Employee (plan) Service code 30 | 562 CALLE TORRECILLA URB SUMMIT HILLS SAN JUAN, PR 009204312 | $46K |
| YOLANDA LANDRAU RAMOS EIN 58-1650227 EMPLOYEE | Employee (plan) Service code 30 | 31-5 CALLE 28 URB SANTA ROSA BAYAMON, PR 009596533 | $37K |
| VICTOR M. ORTEGA RAMON EIN 58-4205792 NONE | Other services Service code 49 | 405 CALLE DUERO URB. VILLA BORINQUEN SAN JUAN, PR 009203701 | $15K |
| OVIDIO RUIZ HERNANDEZ EIN 58-3518920 INDEPENDENT CPA | Legal Service code 29 | PO BOX 1433 TRUJILLO ALTO, PR 00977 | $12K |
| DENISSE MARTINEZ MENDEZ EIN 58-2810023 NONE | Other services Service code 49 | PO BOX 890 TOA ALTA, PR 009540890 | $6K |
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 | 710 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 710 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 2 carriers) | FIRST MEDICAL HEALTH PLAN, INC. | 170 | $1.5M |
| Dental(4 contracts, 3 carriers) | MCS LIFE INSURANCE COMPANY | 262 | $629K |
| Vision(4 contracts) | FIRST MEDICAL HEALTH PLAN, INC. | 38 | $527K |
| Life insurance(3 contracts, 2 carriers) | MCS LIFE INSURANCE COMPANY | 54 | $667K |
| Prescription drug(6 contracts, 2 carriers) | FIRST MEDICAL HEALTH PLAN, INC. | 170 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 262 | — |
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.