| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH SALDANA INC | PO BOX 9023549 SAN JUAN, PR 00902 | DELTA DENTAL OF PUERTO RICO INC | $4K | — | $4K | 4.00% |
| USI INSURANCE SERVICES LLC | 180 PARK AVE FLORHAM PARK NJ, NJ 07932 | DELTA DENTAL OF PUERTO RICO INC | — | — | $0 | 0.00% |
| USI INSURANCE SERVICES LLC3 | 180 PARK AVE 1ST FLOOR FLORHAM PARK, NJ 07932 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 2.31% |
| USI INSURANCE SERVICES LLC3 | 180 PARK AVE 1ST FLOOR FLORHAM PARK, NJ 07932 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $225 | $2K | 3.67% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH SALDANA INC | PO BOX 9023549 SAN JUAN, PR 00902 | MCS LIFE INSURANCE COMPANY | $2K | — | $2K | 19.80% |
| USI INSURANCE SERVICES LLC3 | 180 PARK AVE 1ST FLOOR FLORHAM PARK, NJ 07932 | RELIANCE STANDARDS LIFE INSURANCE COMPANY | $172 | — | $172 | 4.51% |
| INTERNATIONAL REINSURANCE MANAGERS3 | 7205 CORPORATE CENTER DRIVE STE 410 MIAMI, FL 33126 | MCS LIFE INSURANCE COMPANY | $33K | — | $33K | — |
| INTERNATIONAL REINSURANCE MANAGERS3 Filed as: INTERNATIONAL REINSURANCE MANAGERS, | 7205 CORPORATE CENTER DRIVE STE 410 MIAMI, FL 33126 | MCS LIFE INSURANCE COMPANY | $15K | — | $15K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MARSH SALDANA INC BROKER | Insurance agents and brokers Service code 22 | PO BOX 9023549 SAN JUAN, PR 00902 | $41K |
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 | 29 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 29 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MCS LIFE INSURANCE COMPANY | 29 | $10K |
| Dental | DELTA DENTAL OF PUERTO RICO INC | 109 | $95K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 265 | $69K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 265 | $42K |
| Stop-loss / reinsurancereinsurance | MCS LIFE INSURANCE COMPANY | 120 | $0 |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 265 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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.