| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHIELD INSURANCE SOLUTIONS3 Filed as: SHIELD INSURANCE | 1353 AVE. VIGOREAUX PMB 627 GUAYNABO, PR 00966 | MCS LIFE INSURANCE COMPANY | $27K | — | $27K | 4.95% |
| CGF INSURANCE LLC3 Filed as: CGF INSURANCE, LLC | CAPARRA OFFICE CENTER 200 22 GONZALEZ GUISTI AVE. GUAYNABO, PR 00968 | MCS LIFE INSURANCE COMPANY | — | $5K | $5K | 0.99% |
| CGF INSURANCE LLC3 Filed as: CGF INSURANCE, LLC | CAPARRA OFFICE CENTER 200 22 GONZALEZ GUISTI AVE GUAYNABO, PR 00968 | TRIPLE S SALUD, INC. | $7K | — | $7K | 4.95% |
| AOR INSURANCE CORP.3 Filed as: AOR INSURANCE, CORP. | SUITE 10-H DORAL PLAZA GUAYNABO, PR 00966 | DELTA DENTAL OF PUERTO RICO, INC. | $2K | — | $2K | 6.00% |
| AOR INSURANCE CORP.3 | SUITE 10-H DORAL PLAZA GUAYNABO, PR 00966 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.00% |
| CENTRAL GROUP INSURANCE AGENCY3 Filed as: CENTRAL GROUP INSURANCE A | PO BOX 1868 DORADO, PR 00646 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $793 | — | $793 | 4.57% |
| AOR INSURANCE CORP.3 | SUITE 10-H DORAL PLAZA GUAYNABO, PR 00966 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 15.00% |
| CENTRAL GROUP INSURANCE AGENCY3 Filed as: CENTRAL GROUP INSURANCE A | PO BOX 1868 DORADO, PR 00646 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $320 | — | $320 | 4.58% |
| AOR INSURANCE CORP.3 | SUITE 10-H DORAL PLAZA GUAYNABO, PR 00966 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $352 | — | $352 | 15.01% |
| CENTRAL GROUP INSURANCE AGENCY3 Filed as: CENTRAL GROUP INSURANCE A | PO BOX 1868 DORADO, PR 00646 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $107 | — | $107 | 4.56% |
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 | 263 | 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) | 263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MCS LIFE INSURANCE COMPANY | 215 | $687K |
| Dental(2 contracts, 2 carriers) | MCS LIFE INSURANCE COMPANY | 201 | $583K |
| Life insurance(2 contracts, 2 carriers) | MCS LIFE INSURANCE COMPANY | 263 | $552K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 73 | $17K |
| Prescription drug(2 contracts, 2 carriers) | MCS LIFE INSURANCE COMPANY | 215 | $687K |
| Other(2 contracts, 2 carriers) | TRIPLE S SALUD, INC. | 263 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 263 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.