| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VOLPE BENEFIT GROUP, INC3 | 150 2ND AVE N STE 810 ST PETERSBURG, FL 33701 | UNITED CONCORDIA INSURANCE COMPANY | $39K | — | $39K | 10.00% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP, LL | 1120 SANCTUARY PKWY SUITE 375 ALPHARETTA, GA 30009 | UNITED CONCORDIA INSURANCE COMPANY | $4K | — | $4K | 1.00% |
| VOLPE BENEFIT GROUP, INC3 | 150 2ND AVE N STE 810 ST PETERSBURG, FL 33701 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $23K | — | $23K | 10.00% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP, LL | 1120 SANCTUARY PKWY SUITE 375 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 1.00% |
| VOLPE BENEFIT GROUP, INC3 | 150 2ND AVE N STE 810 ST PETERSBURG, FL 33701 | ALLSTATE BENEFITS | $11K | — | $11K | 6.16% |
| SARA BENJAMIN3 Filed as: SARA B BENJAMIN | 3118 GULF TO BAY BLVD STE 105 CLEARWATER, FL 33759 | ALLSTATE BENEFITS | $4K | — | $4K | 2.09% |
| ROBERT BURR3 Filed as: ROBERT L BURR | 3100 MISSION GROVE DR PALM HARBOR, FL 34684 | ALLSTATE BENEFITS | $3K | — | $3K | 1.60% |
| DANIEL R CHICHESTER JR3 | 1305 E WINDWOOD WAY TALLAHASSEE, FL 32311 | ALLSTATE BENEFITS | $1K | — | $1K | 0.78% |
| GREG L BENJAMIN3 | 3118 GULF TO BAY BLVD STE 105 CLEARWATER, FL 33759 | ALLSTATE BENEFITS | $1K | — | $1K | 0.61% |
| KRISTY K COUSINS3 | 315 WALSH ROAD CHATTANOOGA, TN 37405 | ALLSTATE BENEFITS | $868 | — | $868 | 0.49% |
| THOMAS A HOUSE3 Filed as: THOMAS A HOUSE, JR | 2126 ETTA BLVD BRUNSWICK, OH 44212 | ALLSTATE BENEFITS | $437 | — | $437 | 0.25% |
| TOM HOUSE3 | 2133 QUAIL HOLLOW DRIVE BRUNSWICK, OH 44212 | ALLSTATE BENEFITS | $436 | — | $436 | 0.25% |
| SOUTHERN FINL INS GROUP, LLC3 Filed as: SOUTHERN FINL INS GROUP LLC | PO BOX 15913 TALLAHASSEE, FL 32317 | ALLSTATE BENEFITS | $143 | — | $143 | 0.08% |
| VOLPE BENEFIT GROUP, INC3 | 150 2ND AVE N STE 810 ST PETERSBURG, FL 33701 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | — | $15K | 10.00% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP, LL | 1120 SANCTUARY PKWY SUITE 375 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 1.00% |
| VOLPE BENEFIT GROUP, INC3 | 150 2ND AVE N STE 810 ST PETERSBURG, FL 33701 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | — | $15K | 10.00% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP, LL | 1120 SANCTUARY PKWY SUITE 375 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 1.00% |
| VOLPE BENEFIT GROUP, INC3 | 150 2ND AVE N STE 810 ST PETERSBURG, FL 33701 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $6K | — | $6K | 9.18% |
| VOLPE BENEFIT GROUP, INC3 | 150 2ND AVE N STE 810 ST PETERSBURG, FL 33701 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $489 | — | $489 | 10.00% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP, LL | 1120 SANCTUARY PKWY SUITE 375 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $50 | — | $50 | 1.02% |
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 | 757 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 757 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 1,297 | $389K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 962 | $63K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,951 | $234K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 420 | $152K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 400 | $146K |
| Other(2 contracts, 2 carriers) | ALLSTATE BENEFITS | 1,195 | $181K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,951 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.