| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES OF PUERTO RIICO | 304 PONCE DE LEON SUITE 1000 SAN JUAN, PR 00918 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | — | $16K | 13.34% |
| SIMONPIETRI INSURANCE AGENCY3 Filed as: SIMONPIETRI INSURANCE AGE | PO BOX 9023870 SAN JUAN, PR 00902 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $0 | $0 | 0.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES OF PR INC | PO BOX 70361 SAN JUAN, PR 009368361 | MULTINATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 17.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MCS LIFE INSURANCE COMPANY EIN 66-0520918 TPA | Contract Administrator; Direct payment from the plan Service code 13 | — | $562K |
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 | 1,648 | 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) | 1,648 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | MCS LIFE INSURANCE COMPANY | 1,646 | $374K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,648 | $121K |
| Other | MULTINATIONAL LIFE INSURANCE COMPANY | 1,508 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,648 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.