| 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. | $25K | — | $25K | 4.93% |
| JESUS M. ROSARIO NARVAEZ | COND. PARQUE DE LA VISTA APT. 330 C 1280 CALLE JUAN BAIZ SAN JUAN, PR 00924 | MCS LIFE INSURANCE COMPANY | $20K | — | $20K | 4.95% |
| OWNER'S RISK INSURANCE MANAGEMENT | PO BOX 191730 SAN JUAN, PR 009191730 | FIRST MEDICAL HEALTH PLAN, INC. | $9K | — | $9K | 4.89% |
| POPULAR RISK SERVICES, LLC Filed as: POPULAR RISK SERVICES, INC. | 36 CARR. 20 STE 201 GUAYNABO, PR 00966 | FIRST MEDICAL HEALTH PLAN, INC. | $8K | — | $8K | 4.94% |
| JESUS M. ROSARIO NARVAEZ | COND. PARQUE DE LA VISTA APT. 330 C 1280 CALLE JUAN BAIZ SAN JUAN, PR 00924 | FIRST MEDICAL HEALTH PLAN, INC. | $5K | — | $5K | 4.88% |
| LUIS R. SOLER VAZQUEZ | 1219 AVE. MAGDALENA APT. 405 SAN JUAN, PR 009071743 | FIRST MEDICAL HEALTH PLAN, INC. | $4K | — | $4K | 4.86% |
| LUIS R. SOLER VAZQUEZ | COND. LORES APT. 405 1219 AVE. MAGDALENA SAN JUAN, PR 00907 | DELTA DENTAL OF PUERTO RICO, INC. | $2K | — | $2K | 3.50% |
| JESUS M. ROSARIO NARVAEZ | COND. PARQUE DE LA VISTA APT. 330 C 1280 CALLE JUAN BAIZ SAN JUAN, PR 00924 | DELTA DENTAL OF PUERTO RICO, INC. | $2K | — | $2K | 3.50% |
| POPULAR RISK SERVICES, LLC | PO BOX 71390 SAN JUAN, PR 009363206 | DELTA DENTAL OF PUERTO RICO, INC. | $721 | — | $721 | 7.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AIDA L. ORTIZ RODRIGUEZ EIN 58-1415086 EMPLOYEE | Employee (plan) Service code 30 | URB. SUMMIT HILLS 562 CALLE TORRECILLA SAN JUAN, PR 009204312 | $40K |
| YOLANDA LANDRAU RAMOS EIN 58-1650227 EMPLOYEE | Employee (plan) Service code 30 | URB. SANTA ROSA 31-5 CALLE 28 BAYAMON, PR 009596533 | $34K |
| VICTOR M. ORTEGA RAMON EIN 58-4205792 NONE | Other services Service code 49 | URB. VILLA BORINQUEN 405 CALLE DUERO SAN JUAN, PR 009203701 | $15K |
| OVIDIO RUIZ HERNANDEZ EIN 58-3518920 INDEPENDENT CPA | Legal Service code 29 | PO BOX 3266 CAROLINA, PR 009843266 | $12K |
| DOCTORS CENTER HOSPITAL SAN JUAN EIN 66-0686840 NONE | Other services Service code 49 | PO BOX 30532 MANATI, PR 006748513 | $11K |
| DOCTORS CENTER HOSPITAL MANATI EIN 66-0665951 NONE | Other services Service code 49 | PO BOX 30532 MANATI, PR 006748513 | $9K |
| 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 | 713 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 713 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts) | FIRST MEDICAL HEALTH PLAN, INC. | 161 | $1.1M |
| Dental(3 contracts, 2 carriers) | FIRST MEDICAL HEALTH PLAN, INC. | 238 | $260K |
| Vision(4 contracts) | FIRST MEDICAL HEALTH PLAN, INC. | 35 | $550K |
| Life insurance(2 contracts) | FIRST MEDICAL HEALTH PLAN, INC. | 33 | $295K |
| Prescription drug(5 contracts) | FIRST MEDICAL HEALTH PLAN, INC. | 161 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 238 | — |
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.