| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| QUESTCO INSURANCE AGENCY LLC3 | PO BOX 1947 CONROE, TX 77305 | UNITED HEALTH CARE | $646K | — | $646K | 3.98% |
| QUEST INSURANCE AGENCY LLC3 | 100 COMMERCIAL CIR STE B CONROE, TX 77304 | METROPOLITAN LIFE INSURANCE COMPANY | $242K | — | $242K | 7.56% |
| BENEFITS TECHNOLOGIES LLC3 | 1200 E TAFT AVE C/O BENTEC 10 SAPULPA, OK 74066 | METROPOLITAN LIFE INSURANCE COMPANY | $41K | — | $41K | 1.30% |
| US BENTEC WORKPLACE SOLUTIONS3 Filed as: US BENTEC WORKPLACE SOLUTIONS LLC | 99 WOOD AVE S STE 501 ISELIN, NJ 08830 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | — | $20K | 0.64% |
| JENIFER ALLBRIGHT3 | 100 COMMERCIAL CIR STE B CONROE, TX 77304 | METROPOLITAN LIFE INSURANCE COMPANY | $276 | — | $276 | 0.01% |
| US BENTEC WORKPLACE SOLUTIONS3 | 99 WOOD AVE SOUTH STE 501 ISELIN, NJ 00830 | CHUBB | $117K | — | $117K | 52.24% |
| QUESTCO HOLDINGS INC.3 | 480 WILDWOOD FOREST DR. STE 500 THE WOODLANDS, TX 77380 | CHUBB | $46K | — | $46K | 20.76% |
| R WOOD RESTORATION3 | 7927 KAVANAGH CT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $8K | — | $8K | 3.99% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $8K | — | $8K | 3.99% |
| THE SOUTHERN REGION LLC3 Filed as: THE SOUTHERN REGION LLC-PATSEL | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $8K | — | $8K | 3.99% |
| QUEST INSURANCE AGENCY LLC3 | 100 COMMERCIAL CIRCLE BLDG B CONROE, TX 77304 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $6K | — | $6K | 2.99% |
| BENEFITS TECHNOLOGIES LLC3 Filed as: BENEFITS TECHNOLOGIES | 1200 E TAFT AVE SAPULPA, OK 74066 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $4K | — | $4K | 1.89% |
| US BENTEC WORKPLACE SOLUTIONS3 | 99 WOOD AVE SOUTH STE 501 ISELIN, NJ 00830 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 1.11% |
| US BENTEC WORKPLACE SOLUTIONS3 | 99 WOOD AVE SOUTH STE 501 ISELIN, NJ 00830 | CHUBB | $49K | — | $49K | 38.39% |
| QUESTCO HOLDINGS INC.3 | 480 WILDWOOD FOREST DR. STE 500 THE WOODLANDS, TX 77380 | CHUBB | $19K | — | $19K | 14.86% |
| JENNIFER ALLBRIGHT3 | 11780 WALDING RD MONTGOMERY, TX 77356 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 9.64% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SVC INC | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 5.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 4,742 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 4,742 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTH CARE | 4,742 | $16.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 12,110 | $3.2M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 12,110 | $3.2M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 12,110 | $3.3M |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 12,110 | $3.3M |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 12,110 | $3.3M |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 12,110 | $3.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,110 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.