| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARIANO HUERTA | CALLE CESAR GONZALEZ 453 SAN JUAN, PR 00918 | TRIPLE S VIDA INC | $7K | — | $7K | 1.00% |
| MARIANO HUERTA | CALLE CESAR GONZALEZ 453 SAN JUAN, PR 00918 | TRIPLE S VIDA INC | $5K | — | $5K | 15.00% |
| MARIANO HUERTA | CALLE CESAR GONZALEZ 453 SAN JUAN, PR 00918 | NEW YORK LIFE GROUP SOLUTIONS | $1K | — | $1K | 8.95% |
| OLIVER FINANCIAL GROUP, INC. | 252 PONCE DE LEON AVE SUITE 2002 SAN JUAN, PR 00918 | NEW YORK LIFE GROUP SOLUTIONS | $767 | — | $767 | 6.00% |
| CENTRAL GROUP INSURANCE AGENCY Filed as: CENTRAL GROUP INSURANCE AGENCY, INC | PO BOX 1868 DORADO, PR 00646 | NEW YORK LIFE GROUP SOLUTIONS | $317 | — | $317 | 2.48% |
| MARIANO HUERTA | CALLE CESAR GONZALEZ 453 SA, PR 00918 | NEW YORK LIFE GROUP SOLUTIONS | $558 | — | $558 | 8.99% |
| OLIVER FINANCIAL GROUP, INC. | 252 PONCE DE LEON AVE SUITE 2002 SAN JUAN, PR 00918 | NEW YORK LIFE GROUP SOLUTIONS | $372 | — | $372 | 6.00% |
| CENTRAL GROUP INSURANCE AGENCY Filed as: CENTRAL GROUP INSURANCE AGENCY, INC | PO BOX 1868 DORADO, PR 00646 | NEW YORK LIFE GROUP SOLUTIONS | $156 | — | $156 | 2.51% |
| MARIANO HUERTA | CALLE CESAR GONZALEZ 453 SAN JUAN, PR 00918 | NEW YORK LIFE GROUP SOLUTIONS | $164 | — | $164 | 8.99% |
| OLIVER FINANCIAL GROUP, INC. | 252 PONCE DE LEON AVE SUITE 2002 SAN JUAN, PR 00918 | NEW YORK LIFE GROUP SOLUTIONS | $109 | — | $109 | 5.97% |
| CENTRAL GROUP INSURANCE AGENCY Filed as: CENTRAL GROUP INSURANCE AGENCY, INC | PO BOX 1868 DORADO, PR 00646 | NEW YORK LIFE GROUP SOLUTIONS | $45 | — | $45 | 2.47% |
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 | 181 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | TRIPLE S VIDA INC | 181 | $746K |
| Long-term disability(2 contracts, 2 carriers) | TRIPLE S VIDA INC | 181 | $41K |
| Other | NEW YORK LIFE GROUP SOLUTIONS | 181 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.