| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL PUERTO RICO, INC. | 255 AVE PONCE DE LEON, STE 700 SAN JUAN, PR 009171907 | METROPOLITAN LIFE INSURANCE COMPANY | $72K | — | $72K | 13.79% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL PUERTO RICO, INC. | 255 AVE PONCE DE LEON, STE 700 SAN JUAN, PR 009171907 | METROPOLITAN LIFE INSURANCE COMPANY | $56K | $47 | $56K | 13.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL PUERTO RICO, INC. | 255 AVE PONCE DE LEON, STE 700 SAN JUAN, PR 009171907 | TRIPLE-S VIDA, INC. | $12K | — | $12K | 20.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 800 MARKET STREET SUITE 1800 ST. LOUIS, MO 63101 | ACE AMERICAN INSURANCE COMPANY | $379 | — | $379 | 20.56% |
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 | 1,086 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 661 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 24 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,771 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRIPLE S ADVANTAGE | 667 | $2.3M |
| Dental(2 contracts, 2 carriers) | TRIPLE S ADVANTAGE | 667 | $2.5M |
| Vision(2 contracts, 2 carriers) | TRIPLE S ADVANTAGE | 667 | $2.5M |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,470 | $939K |
| Prescription drug(2 contracts, 2 carriers) | TRIPLE S ADVANTAGE | 667 | $2.5M |
| Other(5 contracts, 4 carriers) | TRIPLE S ADVANTAGE | 1,470 | $3.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,470 | — |
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.