| 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 | $9K | — | $9K | 5.00% |
| RETENTION STRATEGIES INSURANCE CORP3 | 409 SAN JORGE PISO 2 SAN JUAN, PR 00912 | DELTA DENTAL OF PUERTO RICO INC | $4K | — | $4K | 4.95% |
| CFG INSURANCE3 Filed as: CFG INSURANCE LLC | CAPARRA OFFICE CENTER 200 22 GONZALEZ GUISTI AVENUE GUAYNABO, PR 00968 | DELTA DENTAL OF PUERTO RICO INC | $2K | — | $2K | 2.55% |
| RETENTION STRATEGIES INSURANCE CORP3 | 409 SAN JORGE SAM JUAN, PR 00912 | TRIPLE-S VIDA | $10K | — | $10K | 18.00% |
| RETENTION STRATEGIES INSURANCE CORP3 Filed as: RETENTION STRATEGIES INS AGCY CORP | CALLE SAN JORGE #409 SAN JUAN, PR 00912 | THE HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 18.99% |
| CENTRAL GROUP INSURANCE AGENCY3 | PO BOX 1868 DORADO, PR 00646 | THE HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 4.96% |
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 | 582 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 582 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRIPLE-S SALUD | 308 | $180K |
| Dental | DELTA DENTAL OF PUERTO RICO INC | 404 | $76K |
| Life insurance | THE HARTFORD LIFE AND ACCIDENT | 582 | $25K |
| Short-term disability | TRIPLE-S VIDA | 188 | $57K |
| Prescription drug | TRIPLE-S SALUD | 308 | $180K |
| Other(2 contracts, 2 carriers) | TRIPLE-S SALUD | 582 | $205K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 582 | — |
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.