| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWER WATSON PUERTO RICO INS. | THE ATRIUM BUSINESS CENTER 530 CONSTITUCION STE 310 SAN JUAN, PR 00901 | TRIPLE S SALUD INC. | $30K | — | $30K | 2.48% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES OF PR | PO BOX 191229 SAN JUAN, PR 00919 | TRIPLE S SALUD INC. | $29K | — | $29K | 2.42% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES OF PR | PO BOX 191229 SAN JUAN, PR 00919 | UNIVERSAL LIFE INSURANCE COMPANY | $4K | — | $4K | 8.53% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWER WATSON INSURANCE | THE ATRIUM BUSINESS CENTER 530 CONSTITUCION STE 310 SAN JUAN, PR 00901 | UNIVERSAL LIFE INSURANCE COMPANY | $3K | — | $3K | 6.47% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICE OF PR | PO BOX 191229 SAN JUAN, PR 00919 | UNIVERSAL LIFE INSURANCE COMPANY | $4K | — | $4K | 8.37% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWER WATSON INSURANCE | THE ATRIUM BUSINESS CENTER 530 CONSTITUCION STE 310 SAN JUAN, PR 00901 | UNIVERSAL LIFE INSURANCE COMPANY | $3K | — | $3K | 6.63% |
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 | 373 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 373 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRIPLE S SALUD INC. | 373 | $1.2M |
| Dental | TRIPLE S SALUD INC. | 373 | $1.2M |
| Vision | TRIPLE S SALUD INC. | 373 | $1.2M |
| Life insurance(2 contracts, 2 carriers) | TRIPLE S SALUD INC. | 373 | $1.2M |
| Long-term disability | UNIVERSAL LIFE INSURANCE COMPANY | 199 | $50K |
| Prescription drug | TRIPLE S SALUD INC. | 373 | $1.2M |
| Other(2 contracts, 2 carriers) | TRIPLE S SALUD INC. | 373 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 373 | — |
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.