| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CARRION, LAFFITTE & CASELLAS, INC.3 | PO BOX 195556 SAN JUAN, PR 009195556 | MONUMENTAL LIFE | $35K | — | $35K | 10.00% |
| GLOBAL INSURANCE AGENCY, INC.3 | PO BOX 9023918 SAN JUAN, PR 009023918 | MONUMENTAL LIFE | $17K | — | $17K | 5.00% |
| CARRION, LAFFITTE & CASELLAS, INC.3 | PO BOX 195556 SAN JUAN, PR 009195556 | INSPIRA MENTAL HEALTH MANAGEMENT | $11K | — | $11K | 10.00% |
| CARRION, LAFFITTE & CASELLAS, INC.3 | PO BOX 195556 SAN JUAN, PR 009195556 | TRIPLE-S SALUD, INC. | $3K | — | $3K | — |
| CARRION, LAFFITTE & CASELLAS, INC.3 | PO BOX 195556 SAN JUAN, PR 009195556 | TRIPLE-S SALUD, INC. | $10K | — | $10K | — |
| CARRION, LAFFITTE & CASELLAS, INC.3 | PO BOX 195556 SAN JUAN, PR 009195556 | TRIPLE-S SALUD, INC. | $3K | — | $3K | — |
| CARRION, LAFFITTE & CASELLAS, INC.3 | PO BOX 195556 SAN JUAN, PR 009195556 | TRIPLE-S SALUD, INC. | $60K | — | $60K | — |
| CARRION, LAFFITTE & CASELLAS, INC.3 | PO BOX 195556 SAN JUAN, PR 009195556 | TRIPLE-S SALUD, INC. | $6K | — | $6K | — |
| CARRION, LAFFITTE & CASELLAS, INC.3 | PO BOX 195556 SAN JUAN, PR 009195556 | TRIPLE-S SALUD, INC. | $782 | — | $782 | — |
| CARRION, LAFFITTE & CASELLAS, INC.3 | PO BOX 195556 SAN JUAN, PR 009195556 | TRIPLE-S SALUD, INC. | $7K | — | $7K | — |
| CARRION, LAFFITTE & CASELLAS, INC.3 | PO BOX 195556 SAN JUAN, PR 009195556 | TRIPLE-S SALUD, INC. | $2K | — | $2K | — |
| CARRION, LAFFITTE & CASELLAS, INC.3 | PO BOX 195556 SNA JUAN, PR 009195556 | TRIPLE-S SALUD, INC. | $8K | — | $8K | — |
| CARRION, LAFFITTE & CASELLAS, INC.3 | PO BOX 195556 SAN JUAN, PR 009195556 | MCS LIFE INSURANCE COMPANY | $61K | — | $61K | — |
| CARRION, LAFFITTE & CASELLAS, INC.3 | PO BOX 195556 SAN JUAN, PR 009195556 | MCS LIFE INSURANCE COMPANY | $18K | — | $18K | — |
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 | 6,814 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 741 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 7,555 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(11 contracts, 2 carriers) | TRIPLE-S SALUD, INC. | 3,064 | $0 |
| Dental(11 contracts, 2 carriers) | TRIPLE-S SALUD, INC. | 3,064 | $0 |
| Vision(11 contracts, 2 carriers) | TRIPLE-S SALUD, INC. | 3,064 | $0 |
| Stop-loss / reinsurancereinsurance | MONUMENTAL LIFE | 7,318 | $346K |
| Other | INSPIRA MENTAL HEALTH MANAGEMENT | 7,256 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,318 | — |
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.
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.