| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTRAL GROUP INSURANCE AGENCY Filed as: CENTRAL GROUP INSURANCE A | PO BOX 9023305 SAN JUAN, PR 00902 | AIAC LIFE/ACC. INTERNATIONAL BENEFIT PLAN | — | $3K | $3K | 4.69% |
| MARIANO HUERTA | CALLE CESAR GONZALEZ 453 SAN JUAN, PR 00918 | AIAC LIFE/ACC. INTERNATIONAL BENEFIT PLAN | $627 | — | $627 | 0.99% |
| OLIVER FINANCIAL GROUP, INC. Filed as: OLIVER FINANCIAL GROUP LL | 252 PONCE DE LEON AVE SUITE 2002 SAN JUAN, PR 00918 | AIAC LIFE/ACC. INTERNATIONAL BENEFIT PLAN | $418 | — | $418 | 0.66% |
| ACRISURE LLC Filed as: FULCRO INSURANCE | PO BOX 9024048 SAN JUAN, PR 00901 | AIAC LIFE/ACC. INTERNATIONAL BENEFIT PLAN | -$19 | — | -$19 | -0.03% |
| CENTRAL GROUP INSURANCE AGENCY Filed as: CENTRAL GROUP INSURANCE A | PO BOX 9023305 SAN JUAN, PR 00902 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $620 | $620 | 5.15% |
| MARIANO HUERTA | CALLE CESAR GONZALEZ SAN JUAN, PR 00918 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $130 | — | $130 | 1.08% |
| OLIVER FINANCIAL GROUP, INC. Filed as: OLIVER FINANCIAL GROUP LL | 252 PONCE DE LEON AVE SUITE 2002 SAN JUAN, PR 00918 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $86 | — | $86 | 0.71% |
| ACRISURE LLC Filed as: FULCRO UNSURANCE | PO BOX 9024048 SAN JUAN, PR 00901 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5 | — | $5 | 0.04% |
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 | 170 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | AIAC LIFE/ACC. INTERNATIONAL BENEFIT PLAN | 170 | $75K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 170 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 170 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.