| 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 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | — | $14K | 100.16% |
| CENTRAL GROUP INSURANCE3 Filed as: CENTRAL GROUP AGENCY | PO BOX 1868 DORADO, PR 00646 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $5K | $5K | 38.80% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH SALDANA INC | PO BOX 9023549 SAN JUAN, PR 00902 | LIFE INSURANCE COMPANY FO NORTH AMERICA | $801 | — | $801 | 15.01% |
| CENTRAL GROUP INSURANCE AGENCY3 | PO BOX 1868 DORADO, PR 00646 | LIFE INSURANCE COMPANY FO NORTH AMERICA | — | $267 | $267 | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH SALDANA INC | PO BOX 9023549 SAN JUAN, PR 00902 | LIFE INSURANCE COMAPNY OF NORTH AMERICA | $154 | — | $154 | 15.01% |
| CENTRAL GROUP INSURANCE AGENCY3 Filed as: CENTRAL GROUP INSURANCE AGENGY | PO BOX 1868 DORADO, PR 00646 | LIFE INSURANCE COMAPNY OF NORTH AMERICA | — | $51 | $51 | 4.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH SALDANA INC | PO BOX 9023549 SAN JUAN, PR 00902 | MCS LIFE INSURANCE COMPANY | — | $51K | $51K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INTERNATIONAL REISURANCE MANAGER EIN 04-3338884 STOPLOSS | Other fees Service code 99 | 7205 CORPORATE DRIVE SUITE 410 MIAMI, FL 33126 | $92K |
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 | 634 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 634 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MCS LIFE INSURANCE COMPANY | 634 | $0 |
| Dental | MCS LIFE INSURANCE COMPANY | 634 | $0 |
| Vision | MCS LIFE INSURANCE COMPANY | 634 | $0 |
| Long-term disability | LIFE INSURANCE COMPANY FO NORTH AMERICA | 391 | $5K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 665 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 665 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.