| 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 | MCS LIFE INSURANCE COMPANY | $9K | — | $9K | 4.91% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 701 MARKET STREET SUITE 1100 ST LOUIS, MO 63101 | ACE AMERICAN INSURANCE COMPANY | $2K | — | $2K | 25.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH SALDANA INC. | CITY VIEW PLAZA STE 700, #48 RD PUERTO RICO, PR 00968 | TRIPLE-S VIDA, INC. | $794 | — | $794 | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH SALDANA, INC. | CITY VIEW PLAZA STE 700, #48 RD PUERTO RICO, PR 00968 | TRIPLE-S VIDA, INC. | $458 | — | $458 | 15.01% |
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 | 3,176 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 591 | $4.4M |
| Dental(2 contracts, 2 carriers) | MCS LIFE INSURANCE COMPANY | 37 | $209K |
| Vision(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 591 | $4.4M |
| Life insurance(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 2,474 | $1.1M |
| Short-term disability | STANDARD INSURANCE COMPANY | 1,358 | $207K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 2,408 | $395K |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 591 | $4.2M |
| Other(4 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 3,650 | $930K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,650 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.