| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JESUS M. ROSARIO NARVAEZ | COND. PARQUE DE LA VISTA 1280 CALLE JUAN BAIZ APT. 330-C SAN JUAN, PR 00924 | MCS LIFE INSURANCE COMPANY | $20K | — | $20K | 5.89% |
| OWNERS RISK INSURANCE MANAGEMENT | PO BOX 191730 SAN JUAN, PR 00919 | FIRST MEDICAL HEALTH PLAN, INC. | $10K | — | $10K | 5.22% |
| LUIS R. SOLER VAZQUEZ | 1219 AVE. MAGDALENA APT. 405 SAN JUAN, PR 00907 | FIRST MEDICAL HEALTH PLAN, INC. | $7K | — | $7K | 4.82% |
| LUIS R. SOLER VAZQUEZ | 1219 AVE. MAGDALENA APT 405 APT 405 SAN JUAN, PR 00907 | FIRST MEDICAL HEALTH PLAN, INC. | $6K | — | $6K | 5.21% |
| JESUS M. ROSARIO NARVAEZ | COND. PARQUE DE LA VISTA 1280 CALLE JUAN BAIZ APT. 330-C SAN JUAN, PR 00924 | FIRST MEDICAL HEALTH PLAN, INC. | $5K | — | $5K | 5.03% |
| JESUS M. ROSARIO NARVAEZ | COND. PARQUE DE LA VISTA 1280 CALLE JUAN BAIZ APT. 1280 SAN JUAN, PR 00924 | DELTA DENTAL OF PUERTO RICO, INC. | $2K | — | $2K | 3.50% |
| LUIS R. SOLER VAZQUEZ | 1219 AVE. MAGDALENA APT. 405 SAN JUAN, PR 00907 | DELTA DENTAL OF PUERTO RICO, INC. | $2K | — | $2K | 3.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EFRAIN SOTO DE JESUS EIN 58-3548158 EMPLOYEE | Employee (plan) Service code 30 | URB. CAMPO ALEGRE D-65 CALLE ESPANA BAYAMON, PR 00956 | $54K |
| YOLANDA LANDRAU RAMOS EIN 58-1650227 EMPLOYEE | Employee (plan) Service code 30 | URB. SANTA ROSA 31-5 CALLE 28 BAYAMON, PR 00959 | $34K |
| AIDA L. ORTIZ RODRIGUEZ EIN 58-1415086 EMPLOYEE | Employee (plan) Service code 30 | URB. SUMMIT HILLS 562 CALLE TORRECILLA SAN JUAN, PR 00920 | $33K |
| HOSPITAL WILMA N. VAZQUEZ EIN 66-0403210 NONE | Other services Service code 49 | PO BOX 7001 VEGA BAJA, PR 00694 | $23K |
| AMERICAN HERITAGE LIFE INSURANCE CO EIN 59-0781901 NONE | Other services Service code 49 | PO BOX 650514 DALLAS, TX 75265 | $20K |
| VICTOR M. ORTEGA RAMON EIN 58-4205792 EMPLOYEE | Employee (plan) Service code 30 | URB. VILLA BORINQUEN 405 CALLE DUERO SAN JUAN, PR 00920 | $19K |
| DOCTOR'S CENTER HOSPITAL SAN JUAN EIN 66-0686840 NONE | Other services Service code 49 | PO BOX 30532 MANATI, PR 00674 | $15K |
| LCDO. JOSE E. CARRERAS ROVIRA EIN 58-4109164 LEGAL ADVISOR | Legal Service code 29 | 352 CALLE DEL PARQUE SAN JUAN, PR 00912 | $14K |
| DOCTOR'S CENTER HOSP. S.F. CAROLINA EIN 66-0782101 NONE | Other services Service code 49 | PO BOX 30532 MANATI, PR 00674 | $11K |
| JOSE OQUENDO DAVILA EIN 58-2379191 NONE | Other services Service code 49 | 2449 CALLE SANTA ELENA CANTERA SAN JUAN, PR 00915 | $10K |
| OVIDIO RUIZ HERNANDEZ EIN 58-3518920 NONE | Legal Service code 29 | PO BOX 3266 CAROLINA, PR 00984 | $7K |
| CHUBB INSURANCE COMPANY OF PR EIN 66-0600740 NONE | Other services Service code 49 | PO BOX 191249 SAN JUAN, PR 00919 | $6K |
| DENISSE MARTINEZ MENDEZ EIN 58-2810023 NONE | Other services Service code 49 | PO BOX 890 TOA ALTA, PR 00954 | $5K |
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 | 944 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 944 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | MCS LIFE INSURANCE COMPANY | 44 | $907K |
| Dental(2 contracts, 2 carriers) | FIRST MEDICAL HEALTH PLAN, INC. | 196 | $261K |
| Vision(3 contracts) | FIRST MEDICAL HEALTH PLAN, INC. | 41 | $465K |
| Life insurance(2 contracts) | FIRST MEDICAL HEALTH PLAN, INC. | 33 | $289K |
| Prescription drug(4 contracts) | FIRST MEDICAL HEALTH PLAN, INC. | 41 | $563K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.