| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: FULCRO INSURANCE | PO BOX 9024048 SAN JUAN, PR 009024048 | MCS LIFE INSURANCE COMPANY | $62K | — | $62K | 2.93% |
| ACRISURE LLC3 Filed as: FULCRO INSURANCE GROUP INC. | PO BOX 9024048 SAN JUAN, PR 009024048 | MCS LIFE INSURANCE COMPANY | $5K | — | $5K | 2.91% |
| ACRISURE LLC3 Filed as: FULCRO INSURANCE INC | 204 SAN FRANCISCO ST. SAN JUAN, PR 00901 | AETNA LIFE INSURANCE CO. | $17K | — | $17K | 16.63% |
| INNOVA INSURANCE3 Filed as: INNOVA INSURANCE SERVICES INC | 100 TURPEAUX IND PARK BOX 299 MERCEDITA, PR 00715 | AETNA LIFE INSURANCE CO. | $4K | — | $4K | 4.16% |
| ACRISURE LLC3 Filed as: FULCRO INSURANCE | PO BOX 9024048 SAN JUAN, PR 009024048 | DELTA DENTAL OF PUERTO RICO, INC. | $6K | — | $6K | 6.00% |
| ACRISURE LLC3 Filed as: FULCRO INSURANCE | PO BOX 9024048 SAN JUAN, PR 009024048 | DELTA DENTAL OF PUERTO RICO, INC. | $431 | — | $431 | 6.00% |
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 | 685 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 685 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | MCS LIFE INSURANCE COMPANY | 677 | $2.3M |
| Dental(2 contracts) | DELTA DENTAL OF PUERTO RICO, INC. | 685 | $100K |
| Life insurance | AETNA LIFE INSURANCE CO. | 640 | $104K |
| Long-term disability | AETNA LIFE INSURANCE CO. | 640 | $104K |
| Other | AETNA LIFE INSURANCE CO. | 640 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 685 | — |
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.
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.