| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CARRION, LAFFITTE & CASELLAS, INC.3 | PO BOX 195556 SAN JUAN, PR 009195556 | TRIPLE-S SALUD, INC. | $81K | — | $81K | 5.00% |
| CARRION, LAFFITTE & CASELLAS, INC.3 | PO BOX 195556 SAN JUAN, PR 009195556 | DELTA DENTAL PLAN OF PUERTO RICO | $4K | — | $4K | 5.31% |
| CARRION, LAFFITTE & CASELLAS, INC.3 | PO BOX 195556 SAN JUAN, PR 009195556 | TRIPLE-S VIDA, INC. | $11K | — | $11K | 15.56% |
| CARRION, LAFFITTE & CASELLAS, INC.3 Filed as: CARRION, LAFFITTE & CASELLAS, INC | PO BOX 195556 SAN JUAN, PR 009195556 | TRIPLE-S VIDA, INC. | $7K | — | $7K | 15.57% |
| CARRION, LAFFITTE & CASELLAS, INC.3 | PO BOX 195556 SAN JUAN, PR 009195556 | TRIPLE-S VIDA, INC. | $7K | — | $7K | 15.57% |
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 | 282 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRIPLE-S SALUD, INC. | 231 | $1.6M |
| Dental | DELTA DENTAL PLAN OF PUERTO RICO | 234 | $75K |
| Vision | TRIPLE-S SALUD, INC. | 231 | $1.6M |
| Life insurance | TRIPLE-S VIDA, INC. | 282 | $72K |
| Short-term disability | TRIPLE-S VIDA, INC. | 282 | $44K |
| Long-term disability | TRIPLE-S VIDA, INC. | 282 | $45K |
| Prescription drug | TRIPLE-S SALUD, INC. | 231 | $1.6M |
| Other | TRIPLE-S VIDA, INC. | 282 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 282 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.