| 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 | — | $104K | $104K | 5.00% |
| SKOLNIK BENEFIT SOLUTIONS, LLC3 | PO BOX 471475 LAKE MONROE, FL 32747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $26K | $26K | 5.00% |
| SKOLNIK BENEFIT SOLUTIONS, LLC3 | PO BOX 471475 LAKE MONROE, FL 32747 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $29K | $2K | $31K | 10.78% |
| SKOLNIK BENEFIT SOLUTIONS, LLC3 Filed as: SKOLNIK BENEFIT SLNTS LLC | PO BOX 471475 LAKE MONROE, FL 32747 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | — | $15K | 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 | $8K | — | $8K | 15.00% |
| WILLIAM E GECEWICZ3 | 11113 LAKESIDE VISTA DR RIVERVIEW, FL 33569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $707 | $77 | $784 | 3.59% |
| ANDERSON BENEFIT SOLUTIONS3 | 3821 LAKE PADGETT DR LAND O LAKES, FL 34639 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $589 | $164 | $753 | 3.45% |
| CHOICE BENEFITS SOLUTIONS LLC3 | 525 CAPRI BLVD TREASURE ISLAND, FL 33706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $337 | $340 | $677 | 3.10% |
| SKOLNIK BENEFIT SOLUTIONS, LLC3 Filed as: SKOLNIK BENEFIT SOLUTIONS LLC | PO BOX 471475 LAKE MONROE, FL 32747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $584 | $42 | $626 | 2.87% |
| HEIL BUSINESS SOLUTIONS CORPORATION3 | 2150 49TH STREET N, SUITE F ST PETERSBURG, FL 33710 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $308 | $65 | $373 | 1.71% |
| BRYAN ANTHONY GONZALEZ3 | 8408 QUARTZ PL TAMPA, FL 33615 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $69 | $4 | $73 | 0.33% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL NATHAN AQUILINO | 16228 PEBBLEBROOK DRIVE TAMPA, FL 33624 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | — | $51 | 0.23% |
| SKOLNIK BENEFIT SOLUTIONS, LLC3 Filed as: SKOLNIK BENEFIT SOLUTIONS | PO BOX 471475 LAKE MONROE, FL 32747 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $225 | — | $225 | 15.00% |
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 | 166 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 115 | $2.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 166 | $289K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 166 | $289K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 155 | $97K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 155 | $77K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 155 | $60K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 155 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.