| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SKOLNIK BENEFIT SOLUTIONS, LLC3 | PO BOX 471475 LAKE MONROE, FL 32747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $94K | $94K | 5.04% |
| SKOLNIK BENEFIT SOLUTIONS, LLC3 | PO BOX 471475 LAKE MONROE, FL 32747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $24K | $24K | 4.86% |
| SKOLNIK BENEFIT SOLUTIONS, LLC3 | PO BOX 471475 LAKE MONROE, FL 32747 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20K | — | $20K | 10.00% |
| SKOLNIK BENEFIT SOLUTIONS, LLC3 Filed as: SKOLNIK BENEFIT SLNTS LLC | PO BOX 471475 LAKE MONROE, FL 32747 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | — | $14K | 15.00% |
| SKOLNIK BENEFIT SOLUTIONS, LLC3 Filed as: SKOLNIK BENEFITS SLNTS LLC | PO BOX 471475 LAKE MONROE, FL 32747 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| SKOLNIK BENEFIT SOLUTIONS, LLC3 Filed as: SKOLNIK BENEFFIT SLNTS LLC | PO BOX 471475 LAKE MONROE, FL 32747 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| CHOICE BENEFITS SOLUTIONS LLC3 | 525 CAPRI BLVD TREASURE ISLAND, FL 33706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $4K | $5K | 25.95% |
| ANDERSON BENEFIT SOLUTIONS3 | 3821 LAKE PADGETT DR LAND O LAKES, FL 34639 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 18.51% |
| SKOLNIK BENEFIT SOLUTIONS, LLC3 Filed as: SKOLNIK BENEFIT SOLUTIONS LLC | PO BOX 471475 LAKE MONROE, FL 32747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $312 | $3K | 13.04% |
| WILLIAM E GECEWICZ3 | 11113 LAKESIDE VISTA DR RIVERVIEW, FL 33569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $446 | $3K | 12.50% |
| HEIL BUSINESS SOLUTIONS CORPORATION3 | 5911 85TH TER N PINELLAS PARK, FL 33781 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $818 | $459 | $1K | 6.29% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL NATHAN AQUILINO | 16228 PEBBLEBROOK DRIVE TAMPA, FL 33624 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $601 | $66 | $667 | 3.28% |
| BRYAN ANTHONY GONZALEZ3 | 8408 QUARTZ PL TAMPA, FL 33615 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $372 | $28 | $400 | 1.97% |
| SKOLNIK BENEFIT SOLUTIONS, LLC3 Filed as: SKOLNIK BENEFIT SOLUTIONS | PO BOX 471475 LAKE MONROE, FL 32747 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $450 | — | $450 | 30.00% |
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 | 149 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 105 | $2.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 143 | $200K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 143 | $200K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 149 | $93K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 148 | $64K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 149 | $58K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 149 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.