| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL PUERTO RICO, INC | 255 PONCE DE LEON AVENUE MCS PLAZA SUITE 700 SAN JUAN, PR 00917 | MCS LIFE INSURANCE COMPANY | $16K | — | $16K | 2.65% |
| CGF INSURANCE LLC3 Filed as: CGF INSURANCE, LLC | CAPARRA OFFICE CENTER 200 22 GONZALEZ GUISTI AVE. GUAYNABO, PR 00968 | MCS LIFE INSURANCE COMPANY | — | $9K | $9K | 1.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL PUERTO RICO, INC. | 255 PONCE DE LEON AVE MCS PLAZA STE700 SAN JUAN, PR 00917 | DELTA DENTAL PUERTO RICO, INC. | $2K | — | $2K | 4.39% |
| POPULAR RISK SERVICES, LLC3 | PO BOX 71390 SAN JUAN, PR 009368390 | DELTA DENTAL PUERTO RICO, INC. | $832 | — | $832 | 2.11% |
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 | 114 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MCS LIFE INSURANCE COMPANY | 114 | $618K |
| Dental | DELTA DENTAL PUERTO RICO, INC. | 111 | $39K |
| Vision | MCS LIFE INSURANCE COMPANY | 114 | $618K |
| Life insurance | MCS LIFE INSURANCE COMPANY | 114 | $618K |
| Prescription drug | MCS LIFE INSURANCE COMPANY | 114 | $618K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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."
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.