| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| QUEST INSURANCE AGENCY LLC3 | 480 WILDWOOD FOREST DR SUITE 500 THE WOODLANDS, TX 77380 | UNITEDHEALTHCARE INSURANCE COMPANY | $56K | $0 | $56K | 0.09% |
| QUEST INSURANCE AGENCY LLC3 Filed as: QUEST INSURANCE AGENCY, LLC | 480 WILDWOOD FOREST DR SUITE 500 THE WOODLANDS, TX 77380 | METROPOLITAN LIFE INSURANCE COMPANY | $522K | — | $522K | 6.63% |
| US BENTEC WORKPLACE SOLUTIONS3 Filed as: US BENTEC WORKPLACE SOULUTIONS, LLC | 99 WOOD AVENUE S. STE 501 ISELIN, NJ 08830 | METROPOLITAN LIFE INSURANCE COMPANY | $126K | — | $126K | 1.60% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $26K | — | $26K | 9.70% |
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 | 17,489 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 17,489 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 5,113 | $62.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 17,489 | $7.9M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 17,489 | $7.9M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 17,489 | $7.9M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 17,489 | $7.9M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 17,489 | $7.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 17,489 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.