| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POPULAR RISK SERVICES, LLC3 | PO BOX 71390 SAN JUAN, PR 009368390 | OCEAN INTERNATIONAL REINSURANCE COMPANY, LTD | — | — | $0 | 0.00% |
| POPULAR RISK SERVICES, LLC3 | PO BOX 71390 SAN JUAN, PR 009368390 | MCS LIFE INSURANCE COMPANY | $22K | — | $22K | 4.85% |
| POPULAR RISK SERVICES, LLC3 | PO BOX 71390 SAN JUAN, PR 009368390 | INSPIRA MENTAL HEALTH MANAGEMENT | — | — | $0 | 0.00% |
| CGF INSURANCE LLC3 | 22 AVE GONZALEZ GUISTI CAPARRA OFFICE CENTER 200 GUAYNABO, PR 00968 | TRIPLE S SALUD, INC. | $31K | — | $31K | 137.05% |
| POPULAR RISK SERVICES, LLC3 | PO BOX 71390 SAN JUAN, PR 009368390 | TRIPLE S SALUD, INC. | $27K | — | $27K | 117.99% |
| POPULAR RISK SERVICES, LLC3 | PO BOX 71390 SAN JUAN, PR 009368390 | TRIPLE S SALUD, INC. | $5K | — | $5K | 209.66% |
| CGF INSURANCE LLC3 | 22 AVE GONZALEZ GUISTI CAPARRA OFFICE CENTER 200 GUAYNABO, PR 00968 | TRIPLE S SALUD, INC. | $3K | — | $3K | 116.32% |
| POPULAR RISK SERVICES, LLC3 | PO BOX 71390 SAN JUAN, PR 009368390 | TRIPLE S SALUD, INC. | $4K | — | $4K | 166.28% |
| CGF INSURANCE LLC3 | 22 AVE GONZALEZ GUISTI CAPARRA OFFICE CENTER 200 GUAYNABO, PR 00968 | TRIPLE S SALUD, INC. | $3K | — | $3K | 138.83% |
| POPULAR RISK SERVICES, LLC3 | PO BOX 71390 SAN JUAN, PR 009368390 | TRIPLE S SALUD, INC. | $1K | — | $1K | 216.95% |
| CGF INSURANCE LLC3 | 22 AVE GONZALEZ GUISTI CAPARRA OFFICE CENTER 200 GUAYNABO, PR 00968 | TRIPLE S SALUD, INC. | $707 | — | $707 | 118.62% |
| POPULAR RISK SERVICES, LLC3 | PO BOX 71390 SAN JUAN, PR 009368390 | TRIPLE S SALUD, INC. | $877 | — | $877 | 205.87% |
| CGF INSURANCE LLC3 | 22 AVE GONZALEZ GUISTI CAPARRA OFFICE CENTER 200 GUAYNABO, PR 00968 | TRIPLE S SALUD, INC. | $602 | — | $602 | 141.31% |
| POPULAR RISK SERVICES, LLC3 | PO BOX 71390 SAN JUAN, PR 009368390 | TRIPLE S SALUD, INC. | $1K | — | $1K | 643.06% |
| CGF INSURANCE LLC3 | 22 AVE GONZALEZ GUISTI CAPARRA OFFICE CENTER 200 GUAYNABO, PR 00968 | TRIPLE S SALUD, INC. | $117 | — | $117 | 54.17% |
| POPULAR RISK SERVICES, LLC3 | PO BOX 71390 SAN JUAN, PR 009368390 | TRIPLE S SALUD, INC. | $166 | — | $166 | 143.10% |
| CGF INSURANCE LLC3 | 22 AVE GONZALEZ GUISTI CAPARRA OFFICE CENTER 200 GUAYNABO, PR 00968 | TRIPLE S SALUD, INC. | $151 | — | $151 | 130.17% |
| POPULAR RISK SERVICES, LLC3 | PO BOX 71390 SAN JUAN, PR 009368390 | MCS LIFE INSURANCE COMPANY | $79K | — | $79K | — |
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 | 7,660 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 7,660 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 2 carriers) | MCS LIFE INSURANCE COMPANY | 3,869 | $485K |
| Dental(8 contracts, 2 carriers) | TRIPLE S SALUD, INC. | 3,869 | $29K |
| Vision(8 contracts, 2 carriers) | TRIPLE S SALUD, INC. | 3,869 | $29K |
| Prescription drug | MC-21 CORPORATION | 7,503 | $0 |
| Stop-loss / reinsurancereinsurance | OCEAN INTERNATIONAL REINSURANCE COMPANY, LTD | 8,442 | $1.1M |
| Other | INSPIRA MENTAL HEALTH MANAGEMENT | 8,024 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,442 | — |
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.