| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| QUEST INSURANCE AGENCY LLC3 | PO BOX 1947 CONROE, TX 77305 | UNITED HEALTHCARE INSURANCE COMPANY | $922K | — | $922K | 3.08% |
| QUEST INSURANCE AGENCY LLC3 | 480 WILDWOOD FOREST DR STE 500 SPRING, TX 77380 | METROPOLITAN LIFE INSURANCE COMPANY | $210K | — | $210K | 5.66% |
| US BENTEC WORKPLACE SOLUTIONS3 Filed as: US BENTEC WORKPLACE SOLUTIONS LLC | 99 WOOD AVE S STE 501 ISELIN, NJ 08830 | METROPOLITAN LIFE INSURANCE COMPANY | $72K | — | $72K | 1.94% |
| BENEFITS TECHNOLOGIES LLC3 | 1200 E TAFT AVE C/O BENTEC 10 SAPULPA, OK 74066 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 0.07% |
| US BENTEC WORKPLACE SOLUTIONS3 | 99 WOOD AVE SOUTH STE 501 ISELIN, NJ 00830 | COMBINED INSURANCE | $135K | — | $135K | 15.06% |
| QUEST INSURANCE AGENCY LLC3 | PO BOX 1947 CONROE, TX 77305 | COMBINED INSURANCE | $51K | — | $51K | 5.70% |
| US BENTEC WORKPLACE SOLUTIONS3 | 99 WOOD AVE SOUTH STE 501 ISELIN, NJ 08830 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $13K | — | $13K | 4.94% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $11K | — | $11K | 4.36% |
| THE SOUTHERN REGION LLC3 Filed as: THE SOUTHERN REGION LLC-PATSEL | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $10K | — | $10K | 3.98% |
| R WOOD RESTORATION3 | 7927 KAVANAGH CT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $6K | — | $6K | 2.47% |
| QUEST INSURANCE AGENCY LLC | 100 COMMERCIAL CIRCLE BLDG.B CONROE, TX 77304 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $6K | — | $6K | 2.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: CAMERON BROWN | 2209 PARKSVILLE WAY CEDAR PARK, TX 78613 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $45 | — | $45 | 0.02% |
| US BENTEC WORKPLACE SOLUTIONS3 | 99 WOOD AVE SOUTH STE 501 ISELIN, NJ 00830 | COMBINED INSURANCE | $6K | — | $6K | 18.62% |
| QUEST INSURANCE AGENCY LLC3 | PO BOX 1947 CONROE, TX 77305 | COMBINED INSURANCE | $1K | — | $1K | 4.78% |
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 | 5,893 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 5,893 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 5,893 | $29.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 12,104 | $3.7M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 12,104 | $3.7M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 12,104 | $4.6M |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 12,104 | $4.6M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 12,104 | $3.7M |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 12,104 | $4.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,104 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.