| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | $11K | $30K | 16.56% |
| ANDERSON BENEFIT SOLUTIONS3 | 3821 LAKE PADGETT DRIVE LAND O LAKES, FL 34639 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $332 | $3K | 3.16% |
| WILLIAM E GECEWICZ3 Filed as: WILLIAM E. GECEWICZ | 11113 LAKESIDE VISTA DRIVE RIVERVIEW, FL 33569 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $332 | $3K | 3.11% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 1715 NORTH WESTSHORE BOULEVARD TAMPA, FL 33607 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $95 | $2K | 2.13% |
| WORKSITE AMERICA, LLC AND OTHERS3 | 14141 46TH STREET NORTH SUITE 1209 CLEARWATER, FL 33762 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $416 | $2K | 1.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | UNKNOWN CLEARWATER, FL 33765 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $84 | $2K | 1.90% |
| ERIK SHAWN SKOLNIK3 | 4872 WATERWITCH POINT DRIVE ORLANDO, FL 32806 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 1.39% |
| CHOICE BENEFITS SOLUTIONS LLC3 Filed as: CHOICE BENEFITS SOLUTIONS, LLC | 11399 81ST PLACE SEMINOLE, FL 33772 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $729 | $363 | $1K | 1.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | THE GUARDIAN NATIONAL LIFE INSURANCE COMPANY | $2K | $425 | $2K | 12.40% |
| WATCHTOWER BENEFITS, LLC3 | 2734 NORTH MILDRED AVENUE SUITE 3 CHICAGO, IL 60618 | THE GUARDIAN NATIONAL LIFE INSURANCE COMPANY | $201 | — | $201 | 1.13% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | THE GUARDIAN NATIONAL LIFE INSURANCE COMPANY | 162 | $18K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 207 | $266K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 65 | $87K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 207 | $179K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 207 | $266K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.