Form 5500 · Employee benefit plan · WINDSOR, CT
QUEST GLOBAL SERVICES N.A., INC.
The filing calls this plan QUEST GLOBAL SERVICES N.A., INC. HEALTH & WELFARE PLAN.
QUEST GLOBAL SERVICES N.A., INC. of WINDSOR, CT is a 1,370-participant professional services employer — a large group whose insured benefits are disclosed on Schedule A of its Form 5500. Its broker of record is CM SMITH AGENCY INC. Coverage is written through UNITEDHEALTHCARE INSURANCE COMPANY and 7 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 31-1393419 · plan 501 · plan year 2024, filed Jul 29, 2025
Get an email when this employer files a new Form 5500, and again about four months before its plan renews.
692 other employer plans in Connecticut have policy years ending in December. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Self-funded as reported
The filing reports a stop-loss contract and no medical premium, which is what a plan that pays its own claims reports.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
Benefits declared on this filing
Also declared: death benefits, other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 10 insured contracts covering health, dental, vision, life, disability and stop-loss; the largest, with UNITEDHEALTHCARE INSURANCE COMPANY, covers 2,714 people.
The medical plan carries stop-loss coverage: the filing reports the plan paying its own health claims, with insured protection against large ones.
Reported premium across the insured contracts is $3,164,317, with $353,272 in disclosed broker commissions — about 11% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
CM SMITH AGENCY INC is the broker of record on 2 of the 10 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| UNITEDHEALTHCARE INSURANCE COMPANY | Stop-loss | 2,714 | Jan 1, 2025 | $2,033,056 | $172,595 |
| UNUM-PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | Life | 371 | Jan 1, 2025 | $78,897 | $44,266 |
| UNUM INSURANCE COMPANY | — | 658 | Jan 1, 2025 | $98,353 | $43,524 |
| UNUM INSURANCE COMPANY | — | 249 | Jan 1, 2025 | $82,773 | $31,502 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life, Disability | 1,859 | Jan 1, 2025 | $355,273 | $19,937 |
| UNUM INSURANCE COMPANY | — | 423 | Jan 1, 2025 | $89,985 | $16,032 |
| VISION SERVICE PLAN | Vision | 1,318 | Jan 1, 2025 | $179,218 | $9,716 |
| METLIFE LEGAL PLANS | — | 294 | Jan 1, 2025 | $75,336 | $8,213 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Dental | 710 | Jan 1, 2025 | $169,881 | $7,004 |
| FIRST UNUM LIFE INSURANCE COMPANY | Life | 3 | Jan 1, 2025 | $1,545 | $483 |
Premium and claims on this contract
VISION SERVICE PLAN, contract 30042692. For the contract year on this filing, the carrier reported $179,218 in premium earned and $142,835 in claims incurred. Dividing one by the other gives 80%.
- VISION SERVICE PLAN, contract 30042692 reported $36,740 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
Other plans filed by this employer
How this plan compares
Subscribers see how this compares with similar plans in Connecticut. A subscription also adds this plan's filing history and the renewal calendar for its state. See plans and prices
Without an account you can open 10 employer, broker and carrier pages a day, including through an AI assistant, and 50 a day with a free account. Paid plans are what keep these records free to read.
Renewal calendar
692 other employer plans in Connecticut are January 1 renewals (policy year ends December).
Their policy years end in December, like this plan’s, so most renew January 1. The calendar lists every insured group by renewal date and state, with broker of record, carrier and disclosed commission. You can preview the five largest in each month for free.
Claude & ChatGPT
Look up records from Claude or ChatGPT
Add Form5500Lookup to Claude or ChatGPT and ask about any employer, broker or carrier in plain English. Lookups are free. Renewal lists, full books of business and exports are included with a subscription.
Building a list or a tool from these records? Match a list you already have from $29 per 1,000 records, or license the whole dataset as a weekly file for $499 a month. See both
More employer plans in Connecticut — largest plans, brokers, carriers and renewal months.