| 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 | $54K | — | $54K | 5.00% |
| RETENTION STRATEGIES INSURANCE CORP3 | 409 SAN JORGE SAN JUAN, PR 00912 | DELTA DENTAL OF PUERTO RICO INC | $5K | — | $5K | 7.50% |
| RETENTION STRATEGIES INSURANCE CORP3 | 409 SAN JORGE SAN JUAN, PR 00912 | TRIPLE-S VIDA | $9K | — | $9K | 18.00% |
| RETENTION STRATEGIES INSURANCE CORP3 | 409 SAN JORGE SAN JUAN, PR 00912 | THE HARTFORD | $4K | — | $4K | 20.13% |
| CENTRAL GROUP INSURANCE3 | PO BOX 1868 DORADO, PR 00646 | THE HARTFORD | — | $2K | $2K | 10.95% |
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 | 300 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRIPLE-S SALUD | 300 | $1.1M |
| Dental | DELTA DENTAL OF PUERTO RICO INC | 300 | $62K |
| Vision | TRIPLE-S SALUD | 300 | $1.1M |
| Life insurance(2 contracts, 2 carriers) | TRIPLE-S SALUD | 434 | $1.1M |
| Short-term disability | TRIPLE-S VIDA | 385 | $48K |
| Prescription drug | TRIPLE-S SALUD | 300 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 434 | — |
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."
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.