| 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 | $118K | — | $118K | 10.00% |
| POPULAR RISK SERVICES, LLC3 | PO BOX 71390 SAN JUAN, PR 009368390 | MCS LIFE INSURANCE COMPANY | $50K | — | $50K | 4.95% |
| POPULAR RISK SERVICES, LLC3 | PO BOX 71390 SAN JUAN, PR 009368390 | INSPIRA MENTAL HEALTH MANAGEMENT | $14K | — | $14K | 10.00% |
| CGF INSURANCE LLC3 | 22 AVE GONZALEZ GUISTI CAPARRA OFFICE CENTER 200 GUAYNABO, PR 00968 | TRIPLE S SALUD, INC. | $58K | — | $58K | 131.79% |
| CGF INSURANCE LLC3 | 22 AVE GONZALEZ GUISTI CAPARRA OFFICE CENTER 200 GUAYNABO, PR 00968 | TRIPLE S SALUD, INC. | $7K | — | $7K | 140.74% |
| CGF INSURANCE LLC3 | 22 AVE GONZALEZ GUISTI CAPARRA OFFICE CENTER 200 GUAYNABO, PR 00968 | TRIPLE S SALUD, INC. | $5K | — | $5K | 128.17% |
| CGF INSURANCE LLC3 | 22 AVE GONZALEZ GUISTI CAPARRA OFFICE CENTER 200 GUAYNABO, PR 00968 | TRIPLE S SALUD, INC. | $2K | — | $2K | 167.77% |
| CGF INSURANCE LLC3 | 22 AVE GONZALEZ GUISTI CAPARRA OFFICE CENTER 200 GUAYNABO, PR 00968 | TRIPLE S SALUD, INC. | $1K | — | $1K | 129.63% |
| CGF INSURANCE LLC3 | 22 AVE GONZALEZ GUISTI CAPARRA OFFICE CENTER 200 GUAYNABO, PR 00968 | TRIPLE S SALUD, INC. | $329 | — | $329 | 135.39% |
| CGF INSURANCE LLC3 | 22 AVE GONZALEZ GUISTI CAPARRA OFFICE CENTER 200 GUAYNABO, PR 00968 | TRIPLE S SALUD, INC. | $42 | — | $42 | 105.00% |
| POPULAR RISK SERVICES, LLC3 | PO BOX 71390 SAN JUAN, PR 009368390 | MCS LIFE INSURANCE COMPANY | $82K | — | $82K | — |
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 | 8,014 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 8,014 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 2 carriers) | MCS LIFE INSURANCE COMPANY | 4,012 | $1.1M |
| Dental(8 contracts, 2 carriers) | TRIPLE S SALUD, INC. | 4,012 | $55K |
| Vision(8 contracts, 2 carriers) | TRIPLE S SALUD, INC. | 4,012 | $55K |
| Prescription drug | MC-21 LLC (D/B/A MC-RX) | 7,520 | $0 |
| Stop-loss / reinsurancereinsurance | OCEAN INTERNATIONAL REINSURANCE COMPANY,LTD | 8,416 | $1.2M |
| Other | INSPIRA MENTAL HEALTH MANAGEMENT | 7,969 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,416 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.