| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLDWIDE INSURANCE AND REINSURANCE3 | 434 MARKET STREET SUITE 200 LEWISBERG, PA 17837 | ZURICH NORTH AMERICA | $249K | — | $249K | 10.00% |
| POPULAR RISK SERVICES, LLC3 Filed as: POPULAR RISK SERVICES LLC | PO BOX 71390 SAN JUAN, PR 00936 | INSPIRA MENTAL HEALTH MANAGEMENT | $14K | — | $14K | 10.00% |
| CGF INSURANCE LLC3 | CAPARRA OFFICE CENTER SUITE 200 22 GONZALEZ GUISTI AVE GUAYNABO, PR 00968 | TRIPLE S SALUD, INC | $30K | — | $30K | 69.98% |
| CGF INSURANCE LLC3 | CAPARRA OFFICE CENTER SUITE 200 22 GONZALEZ GUISTI AVE GUAYNABO, PR 00968 | TRIPLE S SALUD, INC | $3K | — | $3K | 69.11% |
| CGF INSURANCE LLC3 | CAPARRA OFFICE CENTER SUITE 200 22 GONZALEZ GUISTI AVE GUAYNABO, PR 00968 | TRIPLE S SALUD, INC | $3K | — | $3K | 72.50% |
| CGF INSURANCE LLC3 | CAPARRA OFFICE CENTER SUITE 200 22 GONZALEZ GUISTI AVE GUAYNABO, PR 00968 | TRIPLE S SALUD, INC | $672 | — | $672 | 70.66% |
| CGF INSURANCE LLC3 | CAPARRA OFFICE CENTER SUITE 200 22 GONZALEZ GUISTI AVE GUAYNABO, PR 00968 | TRIPLE S SALUD, INC | $519 | — | $519 | 70.04% |
| CGF INSURANCE LLC3 | CAPARRA OFFICE CENTER SUITE 200 22 GONZALEZ GUISTI AVE GUAYNABO, PR 00968 | TRIPLE S SALUD, INC | $210 | — | $210 | 71.92% |
| CGF INSURANCE LLC3 | CAPARRA OFFICE CENTER SUITE 200 22 GONZALEZ GUISTI AVE GUAYNABO, PR 00968 | TRIPLE S SALUD, INC | $14 | — | $14 | 46.67% |
| POPULAR RISK SERVICES, LLC3 Filed as: POPULAR RISK SERVICES LLC | PO BOX 71390 SAN JUAN, PR 00936 | MCS LIFE INSURANCE COMPANY | $97K | — | $97K | — |
| CGF INSURANCE LLC3 | CAPARRA OFFICE CENTER SUITE 200 22 GONZALEZ GUISTI AVE GUAYNABO, PR 00968 | MCS LIFE INSURANCE COMPANY | — | $28K | $28K | — |
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 | 7,883 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 7,883 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 2 carriers) | TRIPLE S SALUD, INC | 4,323 | $54K |
| Dental(8 contracts, 2 carriers) | TRIPLE S SALUD, INC | 4,323 | $54K |
| Vision(8 contracts, 2 carriers) | TRIPLE S SALUD, INC | 4,323 | $54K |
| Prescription drug(2 contracts) | ABARCA HEALTH LLC | 8,422 | $0 |
| Stop-loss / reinsurancereinsurance | ZURICH NORTH AMERICA | 9,232 | $2.5M |
| Other | INSPIRA MENTAL HEALTH MANAGEMENT | 7,865 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,232 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.