Welfare broker

ALTERNATIVE INSURANCE

Mailing address (most recent filing)

PO BOX 363487

SAN JUAN, PR 00936

Total comp: $175K
Commissions: $68K
Fees: $107K
Filings: 5
Sponsors: 5

Carrier mix

Where ALTERNATIVE INSURANCE places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

UNIVERSAL LIFE INSURANCE COMPANY33.3%
TRIPLE S SALUD, INC.33.3%
MCS LIFE INSURANCE COMPANY33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNIVERSAL LIFE INSURANCE COMPANY	1	$27K	33.3%
TRIPLE S SALUD, INC.	1	$697K	33.3%
MCS LIFE INSURANCE COMPANY	1	$2.4M	33.3%

Top states · with penetration index

Plan count by state. Index > 1.0means over-indexed vs the broker's national share.

State	Plans	Premium	State share	Index
PR	3	$3.1M	0.6%	223.06x

Top industries by premium

NAICS-2 sectors where this broker places the most welfare premium.

Sponsor-size mix

Plan count by total participants. Reveals whether this broker is a mid-market player or jumbo-employer specialist.

Broker compensation as % of premium

Distribution of ALTERNATIVE INSURANCE's plans by broker comp / premium ratio. Median 4.45% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

Share of ALTERNATIVE INSURANCE's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-3 of 3 sponsors where ALTERNATIVE INSURANCE is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
SNC TECHNICAL SERVICES LLC SNC TECHNICAL SERVICES GROUP HEALTH & WELFARE PLAN	PR	$2.4M	$107K	MCS LIFE INSURANCE COMPANY
TOTALENERGIES MARKETING PUERTO RICO CORP TOTALENERGIES MARKETING PUERTO RICO HEALTH PLAN	PR	$697K	$29K	TRIPLE S SALUD INC.
SNC TECHNICAL SERVICES LLC SNC TECHNICAL SERVICES GROUP LIFE INSURANCE	PR	$27K	$4K	UNIVERSAL LIFE INSURANCE COMPANY

Carrier

Plans

Premium

UNIVERSAL LIFE INSURANCE COMPANY

$27K

33.3%

TRIPLE S SALUD, INC.

$697K

33.3%

MCS LIFE INSURANCE COMPANY

$2.4M

33.3%

State

Plans

Premium

State share

Index

$3.1M

0.6%

223.06x

Sponsor

Loc

Premium

Comp

Carrier

SNC TECHNICAL SERVICES LLC

SNC TECHNICAL SERVICES GROUP HEALTH & WELFARE PLAN

$2.4M

$107K

MCS LIFE INSURANCE COMPANY

TOTALENERGIES MARKETING PUERTO RICO CORP

TOTALENERGIES MARKETING PUERTO RICO HEALTH PLAN

$697K

$29K

TRIPLE S SALUD INC.

SNC TECHNICAL SERVICES LLC

SNC TECHNICAL SERVICES GROUP LIFE INSURANCE

$27K

$4K

UNIVERSAL LIFE INSURANCE COMPANY