| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $76K | $76K | 2.97% |
| SKOLNIK BENEFIT SOLUTIONS, LLC3 Filed as: SKOLNIK BENEFIT SOLUTIONS | PO BOX 471475 LAKE MONROE, FL 32747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $52K | $52K | 2.03% |
| USI INSURANCE SERVICES LLC3 | 200 SUMMIT LAKE DRIVE, SUITE 350 VALHALLA, NY 10595 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $0 | $15K | 5.92% |
| SKOLNIK BENEFIT SOLUTIONS, LLC3 Filed as: SKOLNIK BENEFIT SOLUTIONS LLC | 4872 WATERWITCH POINT DRIVE ORLANDO, FL 32806 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 4.08% |
| SKOLNIK BENEFIT SOLUTIONS, LLC3 Filed as: SKOLNIK BENEFIT SOLUTIONS | PO BOX 471475 LAKE MONROE, FL 32747 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | $0 | $19K | 13.02% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 2.64% |
| ANDERSON BENEFIT SOLUTIONS3 | 3821 LAKE PADGETT DRIVE LAND O LAKE, FL 34639 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $378 | $56 | $434 | 2.90% |
| WILLIAM E GECEWICZ3 Filed as: WILLIAM E. GECEWICZ | 11113 LAKE SIDE VISTA DRIVE RIVERVIEW, FL 33569 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $361 | $22 | $383 | 2.56% |
| SKOLNIK BENEFIT SOLUTIONS, LLC3 Filed as: SKOLNIK BENEFIT SOLUTIONS LLC | 4872 WATERWITCH POINT DRIVE ORLANDO, FL 32806 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $299 | $0 | $299 | 2.00% |
| CHOICE BENEFIT SOLUTIONS INC3 Filed as: CHOICE BENEFITS SOLUITONS LLC | 6441 3RD PALM POINTE STREET SAINT PETERSBURG BEACH, FL 33706 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $149 | $68 | $217 | 1.45% |
| HEIL BUSINESS SOLUTIONS CORPORATION3 | 2150 49TH STREET NORTH, SUITE F SAINT PETERSBURG, FL 33710 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $184 | $23 | $207 | 1.38% |
| ERIC SHAWN SKOLNIK3 | 4872 WATERWITCH POINT DRIVE ORLANDO, FL 32806 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $77 | $0 | $77 | 0.51% |
| BRIAN ANTHONY GONZALEZ3 | 8408 QUARTZ PLACE TAMPA, FL 33615 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $37 | $0 | $37 | 0.25% |
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 | 153 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 148 | $2.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 159 | $261K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 159 | $261K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 153 | $148K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 153 | $148K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 153 | $148K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 148 | $2.5M |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 153 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.