| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| QUEST INSURANCE AGENCY LLC3 | PO BOX 1947 CONROE, TX 77305 | UNITED HEALTHCARE INSURANCE COMPANY | $1.5M | — | $1.5M | 3.24% |
| QUEST INSURANCE AGENCY LLC3 | 480 WILDWOOD FOREST DR STE 500 SPRING, TX 77380 | METROPOLITAN LIFE INSURANCE COMPANY | $421K | — | $421K | 8.99% |
| US BENTEC WORKPLACE SOLUTIONS3 Filed as: US BENTEC WORKPLACE SOLUTIONS LLC | 99 WOOD AVE S STE 501 ISELIN, NJ 08830 | METROPOLITAN LIFE INSURANCE COMPANY | $99K | — | $99K | 2.11% |
| KC WOOD3 | 7224 KYLE COURT SARASOTA, FL 34240 | COMBINED INSURANCE COMPANY OF AMERICA | $122K | — | $122K | 6.54% |
| JENNIFER ALLBRIGHT3 | 100 COMMERICAL CIR STE B CONROE, TX 77304 | COMBINED INSURANCE COMPANY OF AMERICA | $52K | — | $52K | 2.81% |
| US BENTEC WORKPLACE SOLUTIONS3 | 99 WOOD AVE S STE 501 ISELIN, NJ 08830 | COMBINED INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 0.98% |
| FRANK P DOHERTY3 | 100 COMMERICAL CIR STE B CONROE, TX 77304 | COMBINED INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 0.75% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $26K | — | $26K | 7.84% |
| US BENTEC WORKPLACE SOLUTIONS3 | 99 WOOD AVE S STE 501 ISELIN, NJ 08830 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $17K | — | $17K | 4.99% |
| QUEST INSURANCE AGENCY LLC3 | 480 WILDWOOD FOREST DR STE 500 THE WOODLANDS, TX 77380 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $10K | — | $10K | 2.99% |
| THE SOUTHERN REGION LLC3 Filed as: THE SOUTHERN REGION LLC-PATSEL | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $7K | — | $7K | 2.13% |
| R WOOD RESTORATION3 | 7927 KAVANAGH CT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $17 | — | $17 | 0.01% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INSURANCE SERVICE | PO BOX 632886 CINCINNATI, OH 45263 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $18K | — | $18K | 12.50% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INSURANCE SERVICE | PO BOX 632886 CINCINNATI, OH 45263 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $0 | $9K | 12.50% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INSURANCE SERVICE | PO BOX 632886 CINCINNATI, OH 45263 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| QUEST INSURANCE AGENCY LLC3 | 480 WILDWOOD FOREST DR STE 500 SPRING, TX 773802649 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 14.83% |
| US BENTEC WORKPLACE SOLUTIONS3 | 99 WOOD AVE S STE 501 ISELIN, NJ 088302715 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.94% |
| QUEST INSURANCE AGENCY LLC3 | 480 WILDWOOD FOREST DR STE 500 SPRING, TX 773802649 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 14.72% |
| US BENTEC WORKPLACE SOLUTIONS3 | 99 WOOD AVE S STE 501 ISELIN, NJ 088302715 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.91% |
| JENNIFER ALLBRIGHT3 | 100 COMMERICAL CIR STE B CONROE, TX 77304 | METROPOLITAN LIFE INSURANCE COMPANY | $14 | $0 | $14 | 0.05% |
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 | 9,347 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 9,347 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 9,347 | $46.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 14,261 | $4.7M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 14,261 | $4.7M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 14,261 | $6.6M |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 14,261 | $6.6M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 14,261 | $4.7M |
| Other(6 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 14,261 | $7.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,261 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.