| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CGF INSURANCE LLC3 | 22 AVENIDA GONZALEZ GIUSTI CAPARRA OFFICE CENTER STE 200 GUAYNABO, PR 009683011 | TRIPLE S SALUD, INC. | $39K | — | $39K | 2.97% |
| CGF INSURANCE LLC3 | CAPARRA OFFICE CENTER STE 200 22 AVENIDA GONZALEZ GIUSTI GUAYNABO, PR 009683011 | TRIPLE S SALUD INC | $7K | — | $7K | 4.95% |
| CGF INSURANCE LLC3 | CAPARRA OFFICE CENTER STE 200 22 AVENIDA GONZALEZ GIUSTI GUAYNABO, PR 009683011 | TRIPLE S SALUD INC | $7K | — | $7K | 4.95% |
| ACRISURE LLC3 Filed as: FULCRO INSURANCE | PO BOX 9024048 SAN JUAN, PR 009024048 | MULTINATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| INNOVA INSURANCE3 Filed as: INNOVA INSURANCE SERVICES INC | PMB 234 405 AVE ESMERALDA STE 2 GUAYNABO, PR 009694427 | MULTINATIONAL LIFE INSURANCE COMPANY | $604 | — | $604 | 5.00% |
| ACRISURE LLC3 Filed as: FULCRO INSURANCE | PO BOX 9024048 SAN JUAN, PR 009024048 | MULTINATIONAL LIFE INSURANCE COMPANY | $872 | — | $872 | 15.00% |
| INNOVA INSURANCE3 Filed as: INNOVA INSURANCE SERVICES INC | PMB 234 405 AVE. ESMERALDA STE 2 GUAYNABO, PR 009694427 | MULTINATIONAL LIFE INSURANCE COMPANY | $291 | — | $291 | 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 | 108 | 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) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | TRIPLE S SALUD, INC. | 108 | $1.6M |
| Dental(3 contracts) | TRIPLE S SALUD, INC. | 108 | $1.6M |
| Life insurance | MULTINATIONAL LIFE INSURANCE COMPANY | 108 | $6K |
| Long-term disability | MULTINATIONAL LIFE INSURANCE COMPANY | 108 | $12K |
| Prescription drug(3 contracts) | TRIPLE S SALUD, INC. | 108 | $1.6M |
| Other(3 contracts) | TRIPLE S SALUD, INC. | 108 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 108 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.