| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CGF INSURANCE LLC3 | CAPARRA OFFICE CENTER 200 22 AVE GONZALEZ GUISTI GUAYNABO, PR 009683011 | TRIPLE S SALUD, INC. | — | — | $0 | 0.00% |
| CGF INSURANCE LLC3 | CAPARRA OFFICE CENTER 200 22 AVE GONZALEZ GUISTI GUAYNABO, PR 009683011 | DELTA DENTAL OF PUERTO RICO, INC. | — | — | $0 | 0.00% |
| POPULAR RISK SERVICES, LLC3 | PO BOX 71390 SAN JUAN, PR 009368390 | TRIPLE-S VIDA, INC. | — | — | $0 | 0.00% |
| POPULAR RISK SERVICES, LLC3 | PO BOX 71390 SAN JUAN, PR 009368390 | TRIPLE-S VIDA, INC. | — | — | $0 | 0.00% |
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 | 360 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 360 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRIPLE S SALUD, INC. | 239 | $795K |
| Dental | DELTA DENTAL OF PUERTO RICO, INC. | 233 | $41K |
| Life insurance | TRIPLE-S VIDA, INC. | 360 | $7K |
| Short-term disability | TRIPLE-S VIDA, INC. | 344 | $40K |
| Prescription drug | TRIPLE S SALUD, INC. | 239 | $795K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 360 | — |
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.