| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CARRION, LAFFITTE & CASELLAS, INC.3 | PO BOX 195556 SAN JUAN, PR 009195556 | AMERICAN ALTERNATIVE INSURANCE CORPORATION | $38K | — | $38K | 10.00% |
| GLOBAL INSURANCE AGENCY, INC.3 | PO BOX 9023918 SAN JUAN, PR 009023918 | AMERICAN ALTERNATIVE INSURANCE CORPORATION | $19K | — | $19K | 5.00% |
| CARRION, LAFFITTE & CASELLAS, INC.3 | PO BOX 195556 SAN JUAN, PR 009195556 | INSPIRA MENTAL HEALTH MANAGEMENT | $12K | — | $12K | 10.00% |
| CARRION, LAFFITTE & CASELLAS, INC.3 | PO BOX 195556 SAN JUAN, PR 009195556 | TRIPLE-S SALUD, INC. | $149 | — | $149 | 1.55% |
| CARRION, LAFFITTE & CASELLAS, INC.3 | PO BOX 195556 SAN JUAN, PR 009195556 | TRIPLE-S SALUD, INC. | $214 | — | $214 | — |
| CARRION, LAFFITTE & CASELLAS, INC.3 | PO BOX 195556 SAN JUAN, PR 009195556 | TRIPLE-S SALUD, INC. | $5K | — | $5K | — |
| CARRION, LAFFITTE & CASELLAS, INC.3 | PO BOX 195556 SAN JUAN, PR 009195556 | TRIPLE-S SALUD, INC. | $162 | — | $162 | — |
| 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. | $651 | — | $651 | — |
| CARRION, LAFFITTE & CASELLAS, INC.3 | PO BOX 195556 SAN JUAN, PR 009195556 | TRIPLE-S SALUD, INC. | $2 | — | $2 | — |
| CARRION, LAFFITTE & CASELLAS, INC.3 | PO BOX 195556 SAN JUAN, PR 009195556 | TRIPLE-S SALUD, INC. | $295 | — | $295 | — |
| CARRION, LAFFITTE & CASELLAS, INC.3 | PO BOX 195556 SAN JUAN, PR 009195556 | TRIPLE-S SALUD, INC. | $1K | — | $1K | — |
| CARRION, LAFFITTE & CASELLAS, INC.3 | PO BOX 195556 SNA JUAN, PR 009195556 | TRIPLE-S SALUD, INC. | $4K | — | $4K | — |
| CARRION, LAFFITTE & CASELLAS, INC.3 | PO BOX 195556 SAN JUAN, PR 009195556 | MCS LIFE INSURANCE COMPANY | $60K | — | $60K | — |
| 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 | 6,729 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 716 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,445 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(12 contracts, 2 carriers) | TRIPLE-S SALUD, INC. | 3,042 | $10K |
| Dental(12 contracts, 2 carriers) | TRIPLE-S SALUD, INC. | 3,042 | $10K |
| Vision(11 contracts, 2 carriers) | TRIPLE-S SALUD, INC. | 3,042 | $0 |
| Prescription drug | TRIPLE-S SALUD, INC. | 3 | $10K |
| Stop-loss / reinsurancereinsurance | AMERICAN ALTERNATIVE INSURANCE CORPORATION | 7,261 | $378K |
| Other | INSPIRA MENTAL HEALTH MANAGEMENT | 7,196 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,261 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.