| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: FULCRO INSURANCE INC | PO BOX 9024048 SAN JUAN, PR 009024048 | MCS LIFE INSURANCE COMPANY | $58K | — | $58K | 4.95% |
| CGF INSURANCE LLC3 | CAPARRA OFFICE CENTER 200 22 GONZALEZ GUISTI AVENUE GUAYNABO, PR 00968 | MCS LIFE INSURANCE COMPANY | — | $12K | $12K | 0.99% |
| ACRISURE LLC3 Filed as: FULCRO INSURANCE INC | PO BOX 9024048 SAN JUAN, PR 00912 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 14.03% |
| INNOVA INSURANCE3 Filed as: INNOVA INSURANCE SERVICES INC | PO BOX 299 MERCEDITA, PR 007150299 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $300 | $5K | $5K | 7.01% |
| CENTRAL GROUP INSURANCE3 | PO BOX 1868 DORADO, PR 00646 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$283 | — | -$283 | -0.40% |
| RETENTION STRATEGIES INSURANCE CORP3 | 409 SAN JORGE SAN JUAN, PR 00912 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$566 | — | -$566 | -0.80% |
| CGF INSURANCE LLC3 | CAPARRA OFFICE CENTER 200 22 GONZALEZ GUISTI AVENUE GUAYNABO, PR 00968 | DELTA DENTAL OF PUERTO RICO INC | $2K | — | $2K | 4.04% |
| ACRISURE LLC3 Filed as: FULCRO INSURANCE INC | PO BOX 9024048 SAN JUAN, PR 009024048 | DELTA DENTAL OF PUERTO RICO INC | $573 | — | $573 | 0.96% |
| ACRISURE LLC3 Filed as: FULCRO INSURANCE INC | PO BOX 9024048 SAN JUAN, PR 009024048 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 13.98% |
| INNOVA INSURANCE3 Filed as: INNOVA INSURANCE SERVICES INC | PO BOX 299 MERCEDITA, PR 007150299 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $93 | $1K | $2K | 6.99% |
| CENTRAL GROUP INSURANCE3 | PO BOX 1868 DORADO, PR 00646 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$88 | — | -$88 | -0.39% |
| RETENTION STRATEGIES INSURANCE CORP3 | 409 SAN JORGE SAN JUAN, PR 00912 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$176 | — | -$176 | -0.79% |
| ACRISURE LLC3 Filed as: FULCRO INSURANCE, INC. | PO BOX 9024048 SAN JUAN, PR 009024048 | MAPFRE LIFE INSURANCE COMPANY OF PR | $623 | — | $623 | 10.00% |
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 | 249 | 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) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MCS LIFE INSURANCE COMPANY | 248 | $1.2M |
| Dental(2 contracts, 2 carriers) | MCS LIFE INSURANCE COMPANY | 249 | $1.2M |
| Vision | MAPFRE LIFE INSURANCE COMPANY OF PR | 189 | $6K |
| Life insurance(2 contracts, 2 carriers) | MCS LIFE INSURANCE COMPANY | 248 | $1.2M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 249 | $71K |
| Prescription drug | MCS LIFE INSURANCE COMPANY | 248 | $1.2M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 88 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 249 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.