| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CGF INSURANCE LLC3 Filed as: CGF INSURANCE | CAPARRA OFFICE CENTER SUITE 200 GUAYNABO, PR 00968 | DELTA DENTAL OF PUERTO RICO, INC. | $128K | $13K | $141K | 110.00% |
| MYRIAD BENEFITS INCORPORATED3 | PO BOX 1377 GUAYNABO, PR 00970 | TRIPLE S VIDA INC | $109K | $22K | $131K | 120.00% |
| MYRIAD BENEFITS INCORPORATED3 | PO BOX 1377 GUAYNABO, PR 00970 | TRIPLE S VIDA INC | $15K | $2K | $18K | 115.00% |
| OLYMPIC AGENCY INC3 | PMB 370 1353 CARR 19 GUAYNABO, PR 00966 | MCS LIFE INSURANCE COMPANY | — | $66K | $66K | — |
| MYRIAD BENEFITS INCORPORATED3 | PO BOX 1377 GUAYNABO, PR 00970 | MCS LIFE INSURANCE COMPANY | — | $6K | $6K | — |
| CGF INSURANCE LLC3 | CAPARRA OFFICE CENTER SUITE 200 GUAYNABO, PR 00968 | MCS LIFE INSURANCE COMPANY | — | $2K | $2K | — |
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 | 1,096 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MCS LIFE INSURANCE COMPANY | 786 | $0 |
| Dental | DELTA DENTAL OF PUERTO RICO, INC. | 787 | $128K |
| Life insurance | TRIPLE S VIDA INC | 1,096 | $109K |
| Long-term disability | TRIPLE S VIDA INC | 51 | $15K |
| Prescription drug | MCS LIFE INSURANCE COMPANY | 786 | $0 |
| Stop-loss / reinsurancereinsurance | MCS LIFE INSURANCE COMPANY | 786 | $0 |
| Other | MCS LIFE INSURANCE COMPANY | 786 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,096 | — |
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."
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.