Welfare broker

HUMAN ADVANTAGE INSURANCE BROKERS

Mailing address (most recent filing)

PO BOX 195654

SAN JUAN, PR 00919

Total comp: $66K
Commissions: $66K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

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

FIRST MEDICAL HEALTH PLAN, INC.100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
FIRST MEDICAL HEALTH PLAN, INC.	2	$1.2M	100.0%

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	2	$1.2M	0.4%	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 HUMAN ADVANTAGE INSURANCE BROKERS's plans by broker comp / premium ratio. Median 5.85% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where HUMAN ADVANTAGE INSURANCE BROKERS is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
UNION GENERAL DE TRABAJADORES PLAN DE BIENESTAR DE LA UGT	PR	$777K	$39K	FIRST MEDICAL INSURANCE PLAN INC
TROPIGAS DE PUERTO RICO INC TROPIGAS DE PUERTO RICO WELFARE BENEFIT PLAN	PR	$399K	$27K	FIRST MEDICAL HEALTH PLAN INC

Carrier

Plans

Premium

FIRST MEDICAL HEALTH PLAN, INC.

$1.2M

100.0%

State

Plans

Premium

State share

Index

$1.2M

0.4%

223.06x

Sponsor

Loc

Premium

Comp

Carrier

UNION GENERAL DE TRABAJADORES

PLAN DE BIENESTAR DE LA UGT

$777K

$39K

FIRST MEDICAL INSURANCE PLAN INC

TROPIGAS DE PUERTO RICO INC

TROPIGAS DE PUERTO RICO WELFARE BENEFIT PLAN

$399K

$27K

FIRST MEDICAL HEALTH PLAN INC