Form 5500 · Employee benefit plan · SAN JUAN
EMPRESAS FONALLEDAS INC
The filing calls this plan EMPRESAS FONALLEDAS INC GROUP HEALTH COVERAGE.
EMPRESAS FONALLEDAS INC 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 CGF INSURANCE. Coverage is written through TRIPLE S SALUD, INC. and 1 other carrier. The plan's most recent policy period ended in January.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 66-0516026 · plan 502 · plan year 2026, filed Jun 9, 2026
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25 other employer plans in the U.S. have policy years ending in January. 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.
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.
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 dental; the largest, with TRIPLE S SALUD, INC., covers 505 people.
The filing declares health, dental and disability. Disability appears with no insured contract on Schedule A. That coverage may be self-funded, or placed with a carrier that is not on this filing.
Reported premium across the insured contracts is $3,846,837, with $173,700 in disclosed broker commissions — about 4.5% of premium.
The most recent policy period ended in January, and the plan year ends January 31. Group contracts typically renew on that annual cycle.
CGF INSURANCE is the broker of record on all 2 contracts.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| TRIPLE S SALUD, INC. | Health | 505 | Feb 1, 2026 | $3,728,343 | $167,775 |
| DELTA DENTAL OF PUERTO RICO, INC. | Dental | 346 | Feb 1, 2026 | $118,494 | $5,925 |
Premium and claims on these contracts
TRIPLE S SALUD, INC., contract SP0003580. For the contract year on this filing, the carrier reported $3,728,343 in premium earned and $3,256,923 in claims incurred. Dividing one by the other gives 87%.
DELTA DENTAL OF PUERTO RICO, INC., contract 400. For the contract year on this filing, the carrier reported $118,494 in premium earned and $86,528 in claims incurred. Dividing one by the other gives 73%.
- TRIPLE S SALUD, INC., contract SP0003580 reported $167,775 in retention.
- DELTA DENTAL OF PUERTO RICO, INC., contract 400 reported $5,925 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
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Renewal calendar
25 other employer plans in the U.S. are February 1 renewals (policy year ends January).
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