| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ERIK SHAWN SKOLNIK3 | 4872 WATERWICH POINT DRIVE ORLANDO, FL 32806 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 11.73% |
| ANDERSON BENEFIT SOLUTIONS3 | 3821 LAKE PADGETT DR LAND O LAKES, FL 34639 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $350 | $2K | 7.39% |
| WILLIAM E GECEWICZ3 | 11113 LAKESIDE VISTA DR RIVERVIEW, FL 33569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $427 | $61 | $488 | 2.02% |
| HEIL BUSINESS SOLUTIONS CORPORATION3 | 3909 SHORESIDE CIRCLE TAMPA, FL 33624 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $411 | $40 | $451 | 1.86% |
| CHOICE BENEFITS SOLUTIONS LLC3 | 11399 81ST PL SEMINOLE, FL 33772 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $313 | $66 | $379 | 1.57% |
| JAQUELYN LORETTA CARTER3 | 4416 LARKFIELD LANE TAMPA, FL 33624 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.07% |
| JOHN ANTHONY CARREIRO III3 | 11750 CAPRI CIR SOUTH APT 3 TREASURE IS, FL 33706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| ERIK SHAWN SKOLNIK3 | 4872 WATERWITCH POINT DRIVE ORLANDO, FL 32806 | THE PAUL REVERE LIFE INSURANCE COMPANY | $599 | — | $599 | 16.95% |
| ANDERSON BENEFIT SOLUTIONS3 | 3821 LAKE PADGETT DR LAND O LAKES, FL 34639 | THE PAUL REVERE LIFE INSURANCE COMPANY | $265 | $32 | $297 | 8.40% |
| HEIL BUSINESS SOLUTIONS CORPORATION3 | 3909 SHORESIDE CIRCLE TAMPA, FL 33624 | THE PAUL REVERE LIFE INSURANCE COMPANY | $54 | — | $54 | 1.53% |
| CHOICE BENEFITS SOLUTIONS LLC3 | 11399 81ST PL SEMINOLE, FL 33772 | THE PAUL REVERE LIFE INSURANCE COMPANY | $50 | — | $50 | 1.41% |
| JAQUELYN LORETTA CARTER3 | 4416 LARKFIELD LANE TAMPA, FL 33624 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.11% |
| JOHN ANTHONY CARREIRO III3 | 11750 CAPRI CIR SOUTH APT 3 TREASURE IS, FL 33706 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.03% |
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 | 1,643 | 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) | 1,643 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 55 | $28K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 55 | $28K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 55 | $28K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 55 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 55 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.