Form 5500 · Employee benefit plan · SAN JUAN
ISLAND FINANCE, LLC
The filing calls this plan ISLAND FINANCE WELFARE PLAN.
Public Form 5500 records show how ISLAND FINANCE, LLC of SAN JUAN, PR, a finance and insurance employer, structures its employee benefits. Its broker of record is FULCRO INSURANCE INC. Coverage is written through TRIPLE S SALUD, INC. and 2 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 66-0878299 · plan 504 · plan year 2025, filed Jul 23, 2026
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189 other employer plans in the U.S. have policy years ending in December. 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
Also declared: death benefits.
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 3 insured contracts covering health, dental, life and disability; the largest, with TRIPLE S SALUD, INC., covers 375 people.
Reported premium across the insured contracts is $2,241,701, with $88,879 in disclosed broker commissions — about 4% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
FULCRO INSURANCE INC is the broker of record on all 3 contracts.
3 carriers appear on the filing, including TRIPLE S SALUD, INC., HARTFORD LIFE AND ACCIDENT and DELTA DENTAL OF PUERTO RICO, INC.. TRIPLE S SALUD, INC. writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| TRIPLE S SALUD, INC. | Health | 375 | Jan 1, 2026 | $2,028,769 | $60,254 |
| HARTFORD LIFE AND ACCIDENT | Life, Disability | 437 | Jan 1, 2026 | $123,183 | $24,637 |
| DELTA DENTAL OF PUERTO RICO, INC. | Dental | 376 | Jan 1, 2026 | $89,749 | $3,988 |
Premium and claims on these contracts
TRIPLE S SALUD, INC., contract SP0006365. For the contract year on this filing, the carrier reported $2,028,769 in premium earned and $2,008,418 in claims incurred. Dividing one by the other gives 99%.
DELTA DENTAL OF PUERTO RICO, INC., contract 2418. For the contract year on this filing, the carrier reported $89,749 in premium earned and $79,830 in claims incurred. Dividing one by the other gives 89%.
- TRIPLE S SALUD, INC., contract SP0006365 reported $60,254 in retention.
- DELTA DENTAL OF PUERTO RICO, INC., contract 2418 reported $3,988 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.
Reported to OSHA
Reported to OSHA for 2025: 445 employees, 12 recordable cases, 38 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
One establishment filed under this EIN is left out of these figures: the hours and employees it reported could not both be right.
Other plans filed by this employer
How this plan compares
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Renewal calendar
189 other employer plans in the U.S. are January 1 renewals (policy year ends December).
Their policy years end in December, like this plan’s, so most renew January 1. The calendar lists every insured group by renewal date and state, with broker of record, carrier and disclosed commission. You can preview the five largest in each month for free.
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