| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: FULCRO INSURANCE | PO BOX 9024048 SAN JUAN, PR 00901 | TRIPLE S SALUD INC | $44K | — | $44K | 23.35% |
| ACRISURE LLC3 Filed as: FULCRO INSURANCE | PO BOX 9024048 SAN JUAN, PR 009024048 | TRIPLE-S VIDA, INC. | $24K | — | $24K | 15.00% |
| ACRISURE LLC3 Filed as: FULCRO INSURANCE | PO BOX 9024048 SAN JUAN, PR 00901 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | — | $19K | 13.61% |
| INNOVA INSURANCE3 | PO BOX 299 MERCEDITA, PR 00715 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$327 | $7K | $6K | 4.54% |
| ACRISURE LLC3 Filed as: FULCRO INSURANCE | PO BOX 9024048 SAN JUAN, PR 00901 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 14.36% |
| INNOVA INSURANCE3 | PO BOX 299 MERCEDITA, PR 00715 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$1 | $2K | $2K | 4.79% |
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 | 1,124 | 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) | 1,124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRIPLE S SALUD INC | 890 | $190K |
| Dental | TRIPLE S SALUD INC | 890 | $190K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,124 | $142K |
| Long-term disability | TRIPLE-S VIDA, INC. | 920 | $161K |
| Prescription drug | TRIPLE S SALUD INC | 890 | $190K |
| Stop-loss / reinsurancereinsurance | TRIPLE S SALUD INC | 890 | $190K |
| Other(2 contracts, 2 carriers) | TRIPLE S SALUD INC | 989 | $242K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,124 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.