| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RETENTION STRATEGIES INSURANCE CORP3 | 409 SAN JORGE SAN JUAN, PR 00912 | MCS LIFE INSURANCE COMPANY | $60K | — | $60K | 3.43% |
| CGF INSURANCE LLC3 | CAPARRA OFFICE CENTER 200 22 GONZALEZ GUISTI AVENUE GUAYNABO, PR 00968 | MCS LIFE INSURANCE COMPANY | — | $17K | $17K | 0.98% |
| RETENTION STRATEGIES INSURANCE CORP3 | 409 SAN JORGE SAN JUAN, PR 00912 | DELTA DENTAL OF PUERTO RICO | $3K | — | $3K | 3.00% |
| RETENTION STRATEGIES INSURANCE CORP3 | 409 SAN JORGE SAN JUAN, PR 00912 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 10.00% |
| CENTRAL GROUP INSURANCE AGENCY3 | PO BOX 9023305 SAN JUAN, PR 00902 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $4K | $4K | 5.00% |
| RETENTION STRATEGIES INSURANCE CORP3 | 409 SAN JORGE SAN JUAN, PR 00912 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.00% |
| CENTRAL GROUP INSURANCE AGENCY3 | PO BOX 9023305 SAN JUAN, PR 00902 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 5.00% |
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 | 410 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 410 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MCS LIFE INSURANCE COMPANY | 410 | $1.8M |
| Dental | DELTA DENTAL OF PUERTO RICO | 443 | $98K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 443 | $23K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 443 | $77K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 443 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 443 | — |
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.