| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ERNESTO ELOY GARCIA3 Filed as: ERNESTO SMITH BRIGAS | — | TRIPLE S SALUD, INC. | $61K | — | $61K | 4.00% |
| ERNESTO ELOY GARCIA3 Filed as: ERNESTO SMITH BRIGAS | — | UNIVERSAL LIFE INSURANCE COMPANY | $21K | — | $21K | 15.00% |
| ERNESTO A. SMITH3 | — | DELTA DENTAL OF PUERTO RICO, INC. | $5K | — | $5K | 4.92% |
| ERNESTO ELOY GARCIA3 Filed as: ERNESTO SMITH BRIGAS | — | UNIVERSAL LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
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 | 421 | 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) | 421 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRIPLE S SALUD, INC. | 352 | $1.5M |
| Dental | DELTA DENTAL OF PUERTO RICO, INC. | 354 | $92K |
| Life insurance | UNIVERSAL LIFE INSURANCE COMPANY | 420 | $139K |
| Long-term disability | UNIVERSAL LIFE INSURANCE COMPANY | 420 | $139K |
| Prescription drug | TRIPLE S SALUD, INC. | 352 | $1.5M |
| Other(3 contracts, 2 carriers) | TRIPLE S SALUD, INC. | 421 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 421 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.