Form 5500 · Employee benefit plan · SAN JUAN
PUERTO RICO TELEPHONE COMPANY
The filing calls this plan PRTC HEALTH LIFE & LTD INS PLAN.
PUERTO RICO TELEPHONE COMPANY of SAN JUAN, PR insures health, dental, vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is HUB INTERNATIONAL PUERTO RICO, INC.. Coverage is written through TRIPLE S SALUD, INC. and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 66-0564397 · plan 517 · plan year 2024, filed Jul 30, 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
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: other welfare.
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 8 insured contracts covering health, dental, vision, life and disability.
Reported premium across the insured contracts is $11,057,509, with $153,506 in disclosed broker commissions — about 1.4% 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.
HUB INTERNATIONAL PUERTO RICO, INC. is the broker of record on 2 of the 8 contracts; the rest name a different broker or none.
4 carriers appear on the filing, including TRIPLE S SALUD, INC., METROPOLITAN LIFE INSURANCE COMPANY, TRIPLE-S, INC. and TRIPLE-S VIDA, INC.. TRIPLE S SALUD, INC. writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| METROPOLITAN LIFE INSURANCE COMPANY | Life | 4,752 | Jan 1, 2025 | $1,530,706 | $134,091 |
| TRIPLE-S VIDA, INC. | Disability | 1,662 | Jan 1, 2025 | $249,233 | $19,415 |
| TRIPLE S SALUD, INC. | Health, Dental | 692 | Jan 1, 2025 | $4,226,372 | $0 |
| TRIPLE S SALUD, INC. | Health, Dental | 409 | Jan 1, 2025 | $2,313,284 | $0 |
| TRIPLE S SALUD, INC. | Health, Dental | 157 | Jan 1, 2025 | $952,552 | $0 |
| TRIPLE-S, INC. | Health, Dental, Vision | 3,048 | Jan 1, 2025 | $912,680 | $0 |
| TRIPLE S SALUD, INC. | Health, Dental | 81 | Jan 1, 2025 | $503,748 | $0 |
| TRIPLE S SALUD, INC. | Health, Dental, Vision | 71 | Jan 1, 2025 | $368,934 | $0 |
Premium and claims on these contracts
METROPOLITAN LIFE INSURANCE COMPANY, contract 0251346. For the contract year on this filing, the carrier reported $1,530,706 in premium earned and $0 in claims incurred. Dividing one by the other gives 0%.
TRIPLE S SALUD, INC., contract SP0006303. For the contract year on this filing, the carrier reported $4,226,372 in premium earned and $3,123,920 in claims incurred. Dividing one by the other gives 74%.
TRIPLE S SALUD, INC., contract SP0005832. For the contract year on this filing, the carrier reported $2,313,284 in premium earned and $2,151,564 in claims incurred. Dividing one by the other gives 93%.
TRIPLE S SALUD, INC., contract SP0003737. For the contract year on this filing, the carrier reported $952,552 in premium earned and $874,941 in claims incurred. Dividing one by the other gives 92%.
TRIPLE S SALUD, INC., contract SP0004604. For the contract year on this filing, the carrier reported $503,748 in premium earned and $343,769 in claims incurred. Dividing one by the other gives 68%.
TRIPLE S SALUD, INC., contract SP0004605. For the contract year on this filing, the carrier reported $368,934 in premium earned and $313,096 in claims incurred. Dividing one by the other gives 85%.
- METROPOLITAN LIFE INSURANCE COMPANY, contract 0251346 reported $134,091 in retention.
- TRIPLE S SALUD, INC., contract SP0006303 reported $0 in retention.
- TRIPLE S SALUD, INC., contract SP0005832 reported $0 in retention.
- TRIPLE S SALUD, INC., contract SP0003737 reported $0 in retention.
- TRIPLE S SALUD, INC., contract SP0004604 reported $0 in retention.
- TRIPLE S SALUD, INC., contract SP0004605 reported $0 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: 2,658 employees, 71 recordable cases, 275 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
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