| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CGF INSURANCE LLC3 | CAPARRA OFFICE CENTER 200 22 GONZALEZ GUISTI AVENUE GUAYNABO, PR 00968 | TRIPLE-S SALUD | $47K | — | $47K | 5.00% |
| CGF INSURANCE LLC3 | CAPARRA OFFICE CENTER 200 GONZALEZ GUISTI AVENUE 22 GUAYNABO, PR 00968 | DELTA DENTAL OF PUERTO RICO INC | $4K | — | $4K | 7.50% |
| POPULAR RISK SERVICES, LLC3 Filed as: POPULAR RISK SERVICES | CORPORATE OFFICE PARK 36 RD. 20 SUITE 201 SAN JUAN, PR 00936 | TRIPLE-S VIDA INC | $6K | — | $6K | 13.26% |
| RETENTION STRATEGIES INSURANCE CORP3 Filed as: RETENTION STRATEGIES INSURANCE AGEN | 409 SAN JORGE SAN JUAN, PR 00912 | TRIPLE-S VIDA INC | $2K | — | $2K | 4.74% |
| POPULAR RISK SERVICES, LLC3 Filed as: POPULAR RISK SERVICES | CORPORATE OFFICE PARK 36 RD. 20 SUITE 201 SAN JUAN, PR 00936 | TRIPLE-S VIDA INC | $1K | — | $1K | 13.27% |
| RETENTION STRATEGIES INSURANCE CORP3 Filed as: RETENTION STRATEGIES INSURANCE AGEN | 409 SAN JORGE SAN JUAN, PR 00912 | TRIPLE-S VIDA INC | $385 | — | $385 | 4.72% |
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 | 436 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 436 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRIPLE-S SALUD | 260 | $930K |
| Dental | DELTA DENTAL OF PUERTO RICO INC | 261 | $49K |
| Life insurance | TRIPLE-S VIDA INC | 436 | $8K |
| Short-term disability | TRIPLE-S VIDA INC | 436 | $45K |
| Prescription drug | TRIPLE-S SALUD | 260 | $930K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 436 | — |
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."
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.
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.