| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VOLPE BENEFIT GROUP, INC3 Filed as: VOLPE BENEFIT GROUP, INC DBA THE BE | 435 15TH AVE NE ST PETERSBURG, FL 33704 | METROPOLITAN LIFE INSURANCE COMPANY | $42K | $15 | $42K | 11.05% |
| VOLPE BENEFIT GROUP, INC3 Filed as: VOLPE BENEFIT GROUP, INC DBA THE BE | 204 37TH AVENUE, SUITE 315 ST PETERSBURG, FL 33704 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $35K | — | $35K | 11.20% |
| VOLPE BENEFIT GROUP, INC3 Filed as: VOLPE BENEFIT GROUP, INC DBA THE BE | 204 37TH AVENUE, SUITE 315 ST PETERSBURG, FL 33704 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $25K | — | $25K | 11.15% |
| VOLPE BENEFIT GROUP, INC3 Filed as: VOLPE BENEFIT GROUP, INC DBA THE BE | 204 37TH AVENUE, SUITE 315 ST PETERSBURG, FL 33704 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | — | $19K | 11.18% |
| THE BENEFIT COMPANY INC4 Filed as: THE BENEFIT GROUP | 204 37TH AVENUE, SUITE 315 ST PETERSBURG, FL 33701 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | — | $14K | 18.25% |
| VOLPE BENEFIT GROUP, INC3 Filed as: VOLPE BENEFIT GROUP, INC DBA THE BE | 435 15TH AVE NE ST PETERSBURG, FL 33704 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $4K | $8 | $4K | 10.81% |
| VOLPE BENEFIT GROUP, INC3 Filed as: VOLPE BENEFIT GROUP, INC DBA THE BE | 204 37TH AVENUE, SUITE 315 ST PETERSBURG, FL 33704 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $432 | — | $432 | 11.17% |
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 | 858 | 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) | 858 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,182 | $415K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,096 | $75K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,289 | $316K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 431 | $166K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 445 | $222K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,281 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,289 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.