| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VOLPE BENEFIT GROUP, INC3 Filed as: VOLPE BENEFIT GROUP, INC. | 204 37TH AVENUE NORTH SUITE 315 SAINT PETERSBURG, FL 33704 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $84K | $0 | $84K | 10.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $131 | $0 | $131 | 0.02% |
| VOLPE BENEFIT GROUP, INC3 Filed as: VOLPE BENEFIT GROUP, INC. | 435 15TH AVENUE NE SAINT PETERSBURG, FL 33704 | METROPOLITAN LIFE INSURANCE COMPANY | $41K | $23 | $41K | 10.14% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM, INC. | 300 1ST AVENUE SOUTH 5TH FLOOR ST PETERSBURG, FL 33701 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.48% |
| CHARLOTTE R SANTA CRUZ3 | 718 DUNBAR AVENUE, SUITE 3A BAY ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $38K | $0 | $38K | 11.22% |
| CROWN INSURANCE INC3 | 5301 34TH STREET NORTH, SUITE A ST. PETERSBURG, FL 33714 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25K | $0 | $25K | 7.34% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT GROUP | 204 37TH AVENUE NORTH SUITE 315 SAINT PETERSBURG, FL 33704 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 9.12% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM, INC. | 300 1ST AVENUE SOUTH 5TH FLOOR ST PETERSBURG, FL 33701 | METROPOLITAN LIFE INSURANCE COMPANY | $642 | $0 | $642 | 0.77% |
| VOLPE BENEFIT GROUP, INC3 Filed as: VOLPE BENEFIT GROUP, INC. | 435 15TH AVENUE NE SAINT PETERSBURG, FL 33704 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $3K | $11 | $4K | 9.82% |
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 | 769 | 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) | 769 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,223 | $437K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,186 | $84K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,342 | $1.2M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,342 | $843K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,342 | $843K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,342 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,342 | — |
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.
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.