| 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 00902 | AMERICAN ALTERNATIVE INSURANCE CORPORATION | $19K | — | $19K | 5.00% |
| CARRION, LAFFITTE & CASELLAS, INC.3 Filed as: CARRION LAFFITTE & CASELLAS, INC. | 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 | MCS LIFE INSURANCE COMPANY | $63K | — | $63K | — |
| CARRION, LAFFITTE & CASELLAS, INC.3 | PO BOX 195556 SAN JUAN, PR 009195556 | TRIPLE-S SALUD, INC. | $578 | — | $578 | — |
| 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. | $877 | — | $877 | — |
| CARRION, LAFFITTE & CASELLAS, INC.3 | PO BOX 195556 SAN JUAN, PR 009195556 | TRIPLE-S SALUD, INC. | $29K | — | $29K | — |
| 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 SAN JUAN, PR 009195556 | TRIPLE S SALUD, INC. | $6 | — | $6 | — |
| CARRION, LAFFITTE & CASELLAS, INC.3 | PO BOX 195556 SAN JUAN, PR 009195556 | TRIPLE S SALUD, INC. | $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 | 7,063 | 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) | 7,063 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 2 carriers) | MCS LIFE INSURANCE COMPANY | 3,198 | $0 |
| Dental(8 contracts, 2 carriers) | MCS LIFE INSURANCE COMPANY | 3,198 | $0 |
| Vision(8 contracts, 2 carriers) | MCS LIFE INSURANCE COMPANY | 3,198 | $0 |
| Prescription drug | MC-21 CORPORATION | 7,978 | $0 |
| Stop-loss / reinsurancereinsurance | AMERICAN ALTERNATIVE INSURANCE CORPORATION | 7,786 | $384K |
| Other | INSPIRA MENTAL HEALTH MANAGEMENT | 7,716 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,978 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.