| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SELECTA MANAGEMENT GRP CORP3 Filed as: SELECTA MANAGEMENT GROUP CORP | PO BOX 2055 BAYAMON, PR 00960 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 13.88% |
| EDUARDO FERNANDEZ VENTURA3 | URB. ESTANCIAS DEL RIO 42 CALLE YAGUEZ AGUAS BUENAS, PR 00703 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $529 | — | $529 | 5.00% |
| WALLACE LOUSTAUNAU AROS3 | PO BOX 999 LARES, PR 00669 | BOSTON MUTUAL LIFE INSURANCE COMPANY | — | $434 | $434 | 4.10% |
| FELIX RIVERA3 | PO BOX 2028 AIBONITO, PR 00705 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $317 | — | $317 | 2.99% |
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 | 162 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | BOSTON MUTUAL LIFE INSURANCE COMPANY | 162 | $11K |
| Other | BOSTON MUTUAL LIFE INSURANCE COMPANY | 162 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 162 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.