| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRANCISCO J FIGUEROA RIVERA3 | BAYAMON GARDENS F-6 CALLE 18 BAYAMON, PR 00957 | HUMANA INSURANCE OF PUERTO RICO INC | $27K | — | $27K | 2.07% |
| JOSE E GANDIA MORALES3 | PO BOX 2468 BAYAMON, PR 00960 | HUMANA INSURANCE OF PUERTO RICO INC | $25K | — | $25K | 1.96% |
| JOSE E GANDIA MORALES3 | PO BOX 2468 BAYAMON, PR 00960 | DELTA DENTAL OF PUERTO RICO INC | $2K | — | $2K | 4.00% |
| FRANCISCO J FIGUEROA RIVERA3 | BAYAMON GARDENS F-6 CALLE 18 BAYAMON, PR 00957 | DELTA DENTAL OF PUERTO RICO INC | $2K | — | $2K | 4.00% |
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 | 186 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE OF PUERTO RICO INC | 186 | $1.3M |
| Dental | DELTA DENTAL OF PUERTO RICO INC | 167 | $61K |
| Life insurance | HUMANA INSURANCE OF PUERTO RICO INC | 186 | $1.3M |
| Prescription drug | HUMANA INSURANCE OF PUERTO RICO INC | 186 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.