| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CGF INSURANCE LLC3 | CAPARRA OFFICE CENTER SUITE 200 GUAYNABO, PR 00968 | MCS LIFE | $7.8M | $216K | $8.0M | 102.77% |
| OLYMPIC AGENCY INC3 | PMB 370 1353 CARR 19 GUAYNABO, PR 00966 | MCS LIFE | $7.8M | $101K | $7.9M | 101.29% |
| CGF INSURANCE LLC3 | 22 AVENIDA GONZALEZ GIUSTI CAPARRA OFFICE CENTER STE 200 GUAYNABO, PR 00968 | TRIPLE S SALUD | $6.1M | $337K | $6.5M | 105.50% |
| CGF INSURANCE LLC3 | 22 GONZALEZ GUISTI AVE. CAPARRA OFFICE CENTER, SUITE 200 GUAYNABO, PR 00968 | FIRST MEDICAL HEALTH PLAN INC | $3.5M | $136K | $3.6M | 103.93% |
| CGF INSURANCE LLC3 Filed as: CGF INSURANCE | 22 AVENIDA GONZALEZ GIUSTI CAPARRA OFFICE CENTER STE 200 GUAYNABBO, PR 00968 | DELTA DENTAL OF PUERTO RICO INC | $739K | $22K | $761K | 103.00% |
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 | 2,426 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 387 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,813 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | MCS LIFE | 1,115 | $17.4M |
| Dental(2 contracts, 2 carriers) | MCS LIFE | 2,426 | $8.5M |
| Vision(2 contracts, 2 carriers) | MCS LIFE | 1,115 | $11.2M |
| Life insurance | MCS LIFE | 1,115 | $7.8M |
| Prescription drug(3 contracts, 3 carriers) | MCS LIFE | 1,115 | $17.4M |
| Other | TRIPLE S SALUD | 751 | $6.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,426 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.