| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH SALDANA | PO BOX 9024048 SAN JUAN, PR 009024048 | MCS LIFE INSURANCE COMPANY | $28K | — | $28K | 10.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH SALDANA | BOX 9023549 SAN JUAN, PR 009023549 | 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 | HARTFORD LIFE AND ACCIDENT | $8K | — | $8K | 18.84% |
| CENTRAL GROUP INSURANCE AGENCY3 | PO BOX 1868 DORADO, PR 00646 | HARTFORD LIFE AND ACCIDENT | — | $56 | $56 | 0.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH PUERTO RICO INC. | BOX 9023549 SAN JUAN, PR 00902 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 15.00% |
| CENTRAL GROUP INSURANCE AGENCY3 | PO BOX 1868 DORADO, PR 00646 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $244 | $190 | $434 | 5.00% |
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 | 529 | 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) | 529 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF PUERTO RICO | 425 | $72K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | 271 | $18K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 529 | $41K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 33 | $9K |
| Other(2 contracts, 2 carriers) | MCS LIFE INSURANCE COMPANY | 529 | $297K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 529 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.