| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CARRION, LAFFITTE & CASELLAS, INC.3 Filed as: CARRION, LAFFITTE & CASELLAS, INC | PO BOX 195556 SAN JUAN, PR 009195556 | MULTINATIONAL LIFE INSURANCE COMPANY | $171K | — | $171K | 8.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TRIPLE S INC. EIN 66-0555677 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $10K |
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 | 2,894 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5,296 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 8,190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 3 carriers) | TRIPLE-S, INC. | 3,227 | $24.8M |
| Dental(7 contracts, 3 carriers) | TRIPLE-S, INC. | 3,227 | $24.8M |
| Vision(3 contracts, 3 carriers) | TRIPLE-S, INC. | 3,227 | $12.4M |
| Life insurance | MULTINATIONAL LIFE INSURANCE COMPANY | 5,862 | $2.0M |
| Prescription drug(7 contracts, 3 carriers) | TRIPLE-S, INC. | 3,227 | $24.8M |
| Other | MULTINATIONAL LIFE INSURANCE COMPANY | 5,862 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,862 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.