| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| QUEST INSURANCE AGENCY LLC3 | 480 WILDWOOD FOREST DRIVE SUITE 500 THE WOODLANDS, TX 77380 | UNITEDHEALTHCARE INSURANCE COMPANY | $3.2M | — | $3.2M | 3.92% |
| QUEST INSURANCE AGENCY LLC3 | 480 WILDWOOD FOREST DRIVE SUITE 500 THE WOODLANDS, TX 77380 | METROPOLITAN LIFE INSURANCE COMPANY | $1.0M | — | $1.0M | 8.38% |
| US BENTEC WORKPLACE SOLUTIONS3 Filed as: US BENTEC WORKPLACE SOLUTIONS LLC | 99 WOOD AVENUE S SUITE 501 ISELIN, NJ 088302715 | METROPOLITAN LIFE INSURANCE COMPANY | $240K | — | $240K | 1.98% |
| QUEST INSURANCE AGENCY LLC3 | 480 WILDWOOD FOREST DRIVE SUITE 500 THE WOODLANDS, TX 77380 | BLUECHOICE HEALTHPLAN SOUTH CAROLINA | $211K | — | $211K | 4.50% |
| QUEST INSURANCE AGENCY LLC3 | 480 WILDWOOD FOREST DRIVE SUITE 500 THE WOODLANDS, TX 77380 | BLUECHOICE HEALTHPLAN SOUTH CAROLINA | $152K | — | $152K | 4.55% |
| QUEST INSURANCE AGENCY LLC3 | 480 WILDWOOD FOREST DRIVE SUITE 500 THE WOODLANDS, TX 77380 | BLUECHOICE HEALTHPLAN SOUTH CAROLINA | $139K | — | $139K | 4.50% |
| QUEST INSURANCE AGENCY LLC3 | 480 WILDWOOD FOREST DRIVE SUITE 500 THE WOODLANDS, TX 77380 | BLUECHOICE HEALTHPLAN SOUTH CAROLINA | $74K | — | $74K | 4.50% |
| QUEST INSURANCE AGENCY LLC3 | 480 WILDWOOD FOREST DRIVE SUITE 500 THE WOODLANDS, TX 77380 | BLUECHOICE HEALTHPLAN SOUTH CAROLINA | $49K | — | $49K | 4.50% |
| QUEST INSURANCE AGENCY LLC3 | 480 WILDWOOD FOREST DRIVE SUITE 500 SPRING, TX 773802649 | BLUECHOICE HEALTHPLAN SOUTH CAROLINA | $11K | — | $11K | 4.50% |
| QUEST INSURANCE AGENCY LLC3 | 480 WILDWOOD FOREST DRIVE SUITE 500 THE WOODLANDS, TX 77380 | BLUECHOICE HEALTHPLAN SOUTH CAROLINA | $9K | — | $9K | 4.50% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SVCS INC. | PO BOX 632886 CINCINNATI, OH 45263 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | — | $14K | 12.50% |
| QUEST INSURANCE AGENCY LLC3 | 480 WILDWOOD FOREST DRIVE SUITE 500 THE WOODLANDS, TX 77380 | BLUECHOICE HEALTHPLAN SOUTH CAROLINA | $4K | — | $4K | 4.50% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SVCS INC. | PO BOX 632886 CINCINNATI, OH 45263 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | — | $12K | 12.50% |
| QUEST INSURANCE AGENCY LLC3 | 480 WILDWOOD FOREST DRIVE SUITE 500 THE WOODLANDS, TX 77380 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 15.72% |
| US BENTEC WORKPLACE SOLUTIONS3 Filed as: US BENTEC WORKPLACE SOLUTIONS LLC | 99 WOOD AVENUE S SUITE 501 ISELIN, NJ 088302715 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 5.24% |
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 | 33,379 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 120 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 33,499 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(14 contracts, 5 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 10,759 | $98.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 21,175 | $12.1M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 21,175 | $12.1M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 21,175 | $12.1M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 21,175 | $12.1M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 21,175 | $12.1M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 414 | $2.7M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 21,175 | $12.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 21,175 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.