| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VOLPE BENEFIT GROUP, INC3 | 150 2ND AVE N STE 810 ST PETERSBURG, FL 33701 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $34K | — | $34K | 9.86% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP, LL | 1120 SANCTUARY PKWY SUITE 375 ALPHARETTA, GA 30009 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | — | $3K | 0.99% |
| VOLPE BENEFIT GROUP, INC3 | 150 2ND AVE N STE 810 ST PETERSBURG, FL 33701 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $24K | — | $24K | 9.98% |
| 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 | $17K | — | $17K | 10.16% |
| 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 | 1.02% |
| VOLPE BENEFIT GROUP, INC3 | 150 2ND AVE N STE 810 ST PETERSBURG, FL 33701 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | — | $16K | 9.89% |
| 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 | 0.99% |
| VOLPE BENEFIT GROUP, INC3 | 150 2ND AVE N STE 810 ST PETERSBURG, FL 33701 | ALLSTATE BENEFITS | $8K | — | $8K | 9.58% |
| GREG L BENJAMIN3 Filed as: GREG BENJAMIN | 3118 GULF TO BAY BLVD STE 105 CLEARWATER, FL 33759 | ALLSTATE BENEFITS | $3K | — | $3K | 3.46% |
| ROBERT BURR3 | 3100 MISSION GROVE DRIVE PALM HARBOR, FL 34684 | ALLSTATE BENEFITS | $3K | — | $3K | 3.35% |
| SARA BENJAMIN3 | 3118 GULF TO BAY BLVD STE 105 CLEARWATER, FL 33759 | ALLSTATE BENEFITS | $3K | — | $3K | 3.26% |
| KRISTY K COUSINS3 Filed as: KRISTY COUSINS | 315 WALSH ROAD CHATTANOOGA, TN 37405 | ALLSTATE BENEFITS | $526 | — | $526 | 0.64% |
| SOUTHERN FINL INS GROUP, LLC | 2255 KILLEARN CENTER BLVD TALLAHASSEE, FL 32309 | ALLSTATE BENEFITS | $312 | — | $312 | 0.38% |
| THOMAS A HOUSE3 | 1089 HARMONY LANE CLERMONT, FL 34711 | ALLSTATE BENEFITS | $258 | — | $258 | 0.32% |
| THOMAS A HOUSE3 Filed as: THOMAS A HOUSE JR. | 100 ASHLEIGH DRIVE BRUNSWICK, OH 44212 | ALLSTATE BENEFITS | $258 | — | $258 | 0.32% |
| LANCE ACKERMAN3 | 12346 VILLAGE COURT TAMPA, FL 33625 | ALLSTATE BENEFITS | $202 | — | $202 | 0.25% |
| VOLPE BENEFIT GROUP, INC3 | 150 2ND AVE N STE 810 ST PETERSBURG, FL 33701 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $7K | — | $7K | 9.95% |
| VOLPE BENEFIT GROUP, INC3 | 150 2ND AVE N STE 810 ST PETERSBURG, FL 33701 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $465 | — | $465 | 9.98% |
| 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 | $47 | — | $47 | 1.01% |
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 | 1,133 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 729 | $344K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 1,112 | $70K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,059 | $237K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 446 | $157K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 444 | $167K |
| Other(2 contracts, 2 carriers) | ALLSTATE BENEFITS | 1,189 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,059 | — |
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.