Welfare broker

MCS LIFE INSURANCE COMPANY

Mailing address (most recent filing)

PO BOX 9023547

SAN JUAN, PR 00902

Total comp: $148K
Commissions: $0
Fees: $148K
Filings: 2
Sponsors: 2

Carrier mix

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

MCS LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
MCS LIFE INSURANCE COMPANY	1	$980K	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	1	$980K	0.2%	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 MCS LIFE INSURANCE COMPANY's plans by broker comp / premium ratio. Median 15.00% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where MCS LIFE INSURANCE COMPANY is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
BEST OPTION HEALTHCARE PR LLC BEST OPTION HEALTHCARE PUERTO RICO LLC	PR	$980K	$147K	MCS LIFE INSURANCE COMPANY