| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH SALDANA | BOX 9023549 SAN JUAN, PR 00902 | DELTA DENTAL PLAN OF PUERTO RICO | $2K | — | $2K | 2.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH SALDANA INC | PO BOX 9023549 SAN JUAN, PR 00902 | AETNA LIFE INSURANCE COMPANY | $6K | — | $6K | 20.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH SALDANA | BOX 9023549 SAN JUAN, PR 00902 | CIGNA GROUP INSURANCE | $2K | — | $2K | 15.00% |
| CENTRAL GROUP INSURANCE AGENCY3 Filed as: CENTRAL GROUP INSURANCE A | PPO 9023305 SAN JUAN, PR 00902 | CIGNA GROUP INSURANCE | — | $622 | $622 | 4.57% |
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 | 495 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 497 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF PUERTO RICO | 425 | $70K |
| Vision | COMBINED INSURANCE COMPANY OF AMERICA (EYEMED VISION CARE) | 337 | $25K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 488 | $27K |
| Long-term disability | CIGNA GROUP INSURANCE | 34 | $14K |
| Stop-loss / reinsurancereinsurance | MCS LIFE INSURANCE COMPANY | 471 | $96K |
| Other(2 contracts, 2 carriers) | MCS LIFE INSURANCE COMPANY | 488 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 488 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.