Form 5500 · Employee benefit plan · SAN JUAN
PUERTO RICO TELEPHONE COMPANY
The filing calls this plan PRTC HEALTH & LIFE INS. PLAN.
PUERTO RICO TELEPHONE COMPANY 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 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 511 · plan year 2023, filed Jun 25, 2024
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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 and life.
Reported premium across the insured contracts is $11,925,156, with $172,255 in disclosed broker commissions — about 1.4% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in September. The plan is on a split renewal 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., HARTFORD LIFE AND ACCIDENT, TRIPLE-S, INC. and METROPOLITAN LIFE INSURANCE COMPANY. TRIPLE S SALUD, INC. writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| HARTFORD LIFE AND ACCIDENT | Life | 4,874 | Oct 1, 2023 | $1,326,888 | $132,688 |
| METROPOLITAN LIFE INSURANCE COMPANY | Life | 4,854 | Jan 1, 2024 | $395,681 | $39,567 |
| TRIPLE S SALUD, INC. | Health, Dental | 726 | Jan 1, 2024 | $4,350,041 | $0 |
| TRIPLE S SALUD, INC. | Health, Dental | 457 | Jan 1, 2024 | $2,537,881 | $0 |
| TRIPLE-S, INC. | Health, Dental, Vision | 3,228 | Jan 1, 2024 | $1,118,740 | $0 |
| TRIPLE S SALUD, INC. | Health, Dental | 180 | Jan 1, 2024 | $1,113,844 | $0 |
| TRIPLE S SALUD, INC. | Health, Dental | 94 | Jan 1, 2024 | $593,753 | $0 |
| TRIPLE S SALUD, INC. | Health, Dental, Vision | 95 | Jan 1, 2024 | $488,328 | $0 |
Premium and claims on these contracts
HARTFORD LIFE AND ACCIDENT, contract 681833G. For the contract year on this filing, the carrier reported $1,326,888 in premium earned and $0 in claims incurred. Dividing one by the other gives 0%.
METROPOLITAN LIFE INSURANCE COMPANY, contract 0233531. For the contract year on this filing, the carrier reported $395,681 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 $4,350,041 in premium earned and $3,412,744 in claims incurred. Dividing one by the other gives 78%.
TRIPLE S SALUD, INC., contract SP0005832. For the contract year on this filing, the carrier reported $2,537,881 in premium earned and $2,306,156 in claims incurred. Dividing one by the other gives 91%.
TRIPLE S SALUD, INC., contract SP0003737. For the contract year on this filing, the carrier reported $1,113,844 in premium earned and $995,841 in claims incurred. Dividing one by the other gives 89%.
TRIPLE S SALUD, INC., contract SP0004604. For the contract year on this filing, the carrier reported $593,753 in premium earned and $378,703 in claims incurred. Dividing one by the other gives 64%.
TRIPLE S SALUD, INC., contract SP0004605. For the contract year on this filing, the carrier reported $488,328 in premium earned and $339,987 in claims incurred. Dividing one by the other gives 70%.
- HARTFORD LIFE AND ACCIDENT, contract 681833G reported $132,688 in retention.
- METROPOLITAN LIFE INSURANCE COMPANY, contract 0233531 reported $39,567 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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