| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MYRIAD BENEFITS INC3 Filed as: MYRIAD BENEFITS, INC. | PO BOX 1377 GUAYNABO, PR 00970 | DELTA DENTAL OF PR, INC. | $10K | — | $10K | 10.00% |
| MYRIAD BENEFITS INC3 Filed as: MYRIAD BENEFITS, INC. | PO BOX 1377 GUAYNABO, PR 00970 | TRIPLE S VIDA, INC. | $19K | — | $19K | 20.00% |
| MYRIAD BENEFITS INC3 Filed as: MYRIAD BENEFITS, INC. | PO BOX 1377 GUAYNABO, PR 00970 | TRIPLE S VIDA, INC. | $2K | — | $2K | 15.00% |
| MCS LIFE INSURANCE COMPANY3 Filed as: MCS LIFE INSURANCE COMPANY, INC. | PO BOX 9023547 SAN JUAN, PR 009023547 | MCS LIFE INSURANCE COMPANY, INC. | — | $1.4M | $1.4M | — |
| MYRIAD BENEFITS INC3 Filed as: MYRIAD BENEFITS, INC. | PO BOX 1377 GUAYNABO, PR 00970 | MCS LIFE INSURANCE COMPANY, INC. | — | $38K | $38K | — |
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 | 1,130 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MCS LIFE INSURANCE COMPANY, INC. | 713 | $0 |
| Dental | DELTA DENTAL OF PR, INC. | 704 | $103K |
| Life insurance | TRIPLE S VIDA, INC. | 1,130 | $94K |
| Long-term disability | TRIPLE S VIDA, INC. | 48 | $12K |
| Prescription drug | MCS LIFE INSURANCE COMPANY, INC. | 713 | $909K |
| Stop-loss / reinsurancereinsurance | MCS LIFE INSURANCE COMPANY, INC. | 713 | $0 |
| Other | MCS LIFE INSURANCE COMPANY, INC. | 713 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,130 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.