Form 5500 · Employee benefit plan · SAN JUAN
COOPERATIVA DE SEGUROS MULTIPLES DE PUERTO RICO
The filing calls this plan MEDICAL PLAN.
COOPERATIVA DE SEGUROS MULTIPLES DE PUERTO RICO of SAN JUAN, PR files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is HUB INTERNATIONAL PR. Coverage is written through MCS LIFE INSURANCE COMPANY. The plan's most recent policy period ended in April.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 66-0257478 · plan 503 · plan year 2025, filed Nov 26, 2025
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37 other employer plans in the U.S. have policy years ending in April. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
Benefits declared on this filing
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 2 insured contracts covering health and stop-loss; the largest, with MCS LIFE INSURANCE COMPANY, covers 553 people.
The filing lists a stop-loss contract. On its own that does not settle whether the plan pays its own claims.
Reported premium across the insured contracts is $1,547,521, with $115,510 in disclosed broker commissions — about 7.5% of premium.
The most recent policy period ended in April, and the plan year ends April 30. Group contracts typically renew on that annual cycle.
HUB INTERNATIONAL PR is the broker of record on 1 of the 2 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| MCS LIFE INSURANCE COMPANY | Health, Stop-loss | 541 | May 1, 2025 | $295,035 | $69,012 |
| MCS LIFE INSURANCE COMPANY | Health | 553 | Oct 1, 2024 | $1,252,486 | $46,498 |
Premium and claims on this contract
MCS LIFE INSURANCE COMPANY, contract 79-791209. For the contract year on this filing, the carrier reported $1,252,486 in premium earned and $1,280,916 in claims incurred. Dividing one by the other gives 102%.
- MCS LIFE INSURANCE COMPANY, contract 79-791209 reported $187,872 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
Other plans filed by this employer
How this plan compares
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Renewal calendar
37 other employer plans in the U.S. are May 1 renewals (policy year ends April).
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