Form 5500 · Employee benefit plan · SAN JUAN
LIBERTY COMMUNICATIONS OF PR LLC
The filing calls this plan LIBERTY COMMUNICATIONS OF PR LLC HEALTH INS PLAN.
LIBERTY COMMUNICATIONS OF PR LLC of SAN JUAN, PR spreads its employee benefits across 3 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is HUB INTERNATIONAL PUERTO RICO, INC.. Coverage is written through MCS LIFE INSURANCE COMPANY and 2 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 66-0659935 · plan 501 · plan year 2024, filed Jul 31, 2025
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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
Funding not settled by the filing
The filing does not report enough to settle how this plan pays for benefits.
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 4 insured contracts covering health, dental and vision; the largest, with MCS LIFE INSURANCE COMPANY, covers 1,888 people.
Reported premium across the insured contracts is $1,841,524, with $458,545 in disclosed broker commissions — about 25% 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.
HUB INTERNATIONAL PUERTO RICO, INC. is the broker of record on all 4 contracts.
3 carriers appear on the filing, including MCS LIFE INSURANCE COMPANY, DELTA DENTAL OF PUERTO RICO, INC. and CIGNA HEALTH AND LIFE INSURANCE COMPANY. MCS LIFE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| MCS LIFE INSURANCE COMPANY | Health, Dental, Vision | 1,888 | Jan 1, 2025 | $1,118,477 | $415,668 |
| DELTA DENTAL OF PUERTO RICO, INC. | Dental | 1,032 | Jan 1, 2025 | $407,812 | $24,468 |
| DELTA DENTAL OF PUERTO RICO, INC. | Vision | 1,059 | Jan 1, 2025 | $277,253 | $16,635 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Dental | 65 | Jan 1, 2025 | $37,982 | $1,774 |
Premium and claims on these contracts
DELTA DENTAL OF PUERTO RICO, INC., contract 2597. For the contract year on this filing, the carrier reported $407,812 in premium earned and $508,669 in claims incurred. Dividing one by the other gives 125%.
DELTA DENTAL OF PUERTO RICO, INC., contract 6020. For the contract year on this filing, the carrier reported $277,253 in premium earned and $290,475 in claims incurred. Dividing one by the other gives 105%.
CIGNA HEALTH AND LIFE INSURANCE COMPANY, contract 3343970. For the contract year on this filing, the carrier reported $37,982 in premium earned and $0 in claims incurred. Dividing one by the other gives 0%.
- DELTA DENTAL OF PUERTO RICO, INC., contract 2597 reported $24,468 in retention.
- DELTA DENTAL OF PUERTO RICO, INC., contract 6020 reported $16,635 in retention.
- CIGNA HEALTH AND LIFE INSURANCE COMPANY, contract 3343970 reported $1,774 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: 1,574 employees, 44 recordable cases, 213 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
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Renewal calendar
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