| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RETENTION STRATEGIES INSURANCE CORP3 | 409 SAN JORGE SAN JUAN, PR 00912 | MCS LIFE INSURANCE COMPANY | $38K | — | $38K | 3.31% |
| CGF INSURANCE LLC3 | CAPARRA OFFICE CENTER 200 22 GONZALEZ GUISTI AVENUE GUAYNABO, PR 00968 | MCS LIFE INSURANCE COMPANY | — | $16K | $16K | 1.39% |
| ACRISURE LLC3 Filed as: FULCRO INSURANCE INC | PO BOX 9024048 SAN JUAN, PR 009024048 | MCS LIFE INSURANCE COMPANY | $14K | — | $14K | 1.22% |
| RETENTION STRATEGIES INSURANCE CORP3 | 409 SAN JORGE SAN JUAN, PR 00912 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 7.29% |
| CENTRAL GROUP INSURANCE3 | PO BOX 1868 DORADO, PR 00646 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $567 | $2K | 3.64% |
| ACRISURE LLC3 Filed as: FULCRO INSURANCE INC | PO BOX 9024048 SAN JUAN, PR 009024048 | DELTA DENTAL OF PUERTO RICO INC | $3K | — | $3K | 5.00% |
| RETENTION STRATEGIES INSURANCE CORP3 | 409 SAN JORGE SAN JUAN, PR 00912 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 7.30% |
| CENTRAL GROUP INSURANCE3 | PO BOX 1868 DORADO, PR 00646 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $539 | $180 | $719 | 3.65% |
| RETENTION STRATEGIES INSURANCE CORP3 | 409 SAN JORGE SAN JUAN, PR 00912 | MAPFRE LIFE INSURANCE COMPANY OF PR | $592 | — | $592 | 10.01% |
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 | 271 | 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) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MCS LIFE INSURANCE COMPANY | 271 | $1.2M |
| Dental(2 contracts, 2 carriers) | MCS LIFE INSURANCE COMPANY | 271 | $1.2M |
| Vision | MAPFRE LIFE INSURANCE COMPANY OF PR | 162 | $6K |
| Life insurance(2 contracts, 2 carriers) | MCS LIFE INSURANCE COMPANY | 271 | $1.2M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 287 | $63K |
| Prescription drug | MCS LIFE INSURANCE COMPANY | 271 | $1.2M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 258 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 287 | — |
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.