| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 3805 WEST CHESTER PIKE, SUITE 200 NEWTON SQUARE, PA 19073 | SUN LIFE ASSURANCE COMPANY OF CANADA | $15K | $5K | $21K | 3.42% |
| ANDERSON BENEFIT SOLUTIONS3 | 3821 LAKE PADGETT DRIVE LAND O LAKES, FL 34639 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $235 | $0 | $235 | 1.73% |
| ERIK SHAWN SKOLNIK3 | 4872 WATERWITCH POINT DRIVE ORLANDO, FL 32806 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $231 | $0 | $231 | 1.70% |
| WILLIAM E GECEWICZ3 Filed as: WILLIAM E. GECEWICZ | 11113 LAKESIDE VISTA DRIVE RIVERVIEW, FL 33569 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $171 | $0 | $171 | 1.26% |
| HEIL BUSINESS SOLUTIONS CORPORATION3 | 3909 SHORESIDE CIRCLE TAMPA, FL 33624 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $133 | $2 | $135 | 1.00% |
| CHOICE BENEFITS SOLUTIONS LLC3 | 11399 81ST PLACE SEMINOLE, FL 33772 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $99 | $3 | $102 | 0.75% |
| LUCAS GARTENMAYER3 | 39051 12TH AVENUE ZEPHYRHILLS, FL 33542 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $40 | $2 | $42 | 0.31% |
| JOHN ANTHONY CARREIRO III3 | PO BOX 41495 SAINT PETERSBURG, FL 33743 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
| USI INSURANCE SERVICES LLC3 | 4605 COLUMBUS STREET VIRGINIA BEACH, VA 23465 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $263 | $0 | $263 | 15.03% |
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 | 262 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 634 | $4.0M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 262 | $609K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 262 | $609K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 262 | $623K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 262 | $609K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 262 | $609K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 634 | $4.0M |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 262 | $624K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 634 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.