| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE GARVIN GROUP LTD3 Filed as: GARVIN GROUP LTD | 6 CRICKLEWOOD LANE NORWALK, CT 06851 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 4.88% |
| KEVIN GARVIN3 Filed as: KEVIN V GARVIN | 6 CRICKLEWOOD LANE NORWALK, CT 06851 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 3.85% |
| DAVID UMBRIA3 Filed as: DAVID M UMBRIA | 18 CINDY STREET OLD BRIDGE, NJ 08857 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.57% |
| CHRISTOPHER RICKS3 | 10 BANK STREET WHITE PLAINS, NY 10606 | THE PAUL REVERE LIFE INSURANCE COMPANY | $948 | $110 | $1K | 15.97% |
| ASCELA PARTNERS LLC3 Filed as: ASCELA PARTNERS | 200 CONTINENTAL DRIVE NEWARK, DE 19713 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | — | $1K | 15.17% |
| RYAN GARVIN3 | 50 MAIN STREET WHITE PLAINS, NY 10606 | THE PAUL REVERE LIFE INSURANCE COMPANY | $470 | $158 | $628 | 9.48% |
| DAVID UMBRIA3 | 18 CINDY STREET OLD BRIDGE, NJ 08857 | THE PAUL REVERE LIFE INSURANCE COMPANY | $389 | — | $389 | 5.87% |
| COLIN KELLY GARVIN3 | 160 WHEELER ROAD MONROE, CT 06468 | THE PAUL REVERE LIFE INSURANCE COMPANY | $355 | $12 | $367 | 5.54% |
| JOHN R KLIMCHAK3 Filed as: JOHN BOCK | 8 NEVINWOOD PLACE HUNTINGTON, NY 11743 | THE PAUL REVERE LIFE INSURANCE COMPANY | $199 | — | $199 | 3.00% |
| ABRAHAM OYEWO3 | 1039 EAST 227 STREET BRONX, NY 10466 | THE PAUL REVERE LIFE INSURANCE COMPANY | $177 | $2 | $179 | 2.70% |
| KIMANI MATTHEW3 | 153 SOUTH 11TH AVE MT VERNON, NY 10550 | THE PAUL REVERE LIFE INSURANCE COMPANY | $85 | $46 | $131 | 1.98% |
| RYAN GARVIN3 | 50 MAIN STREET WHITE PLAINS, NY 10606 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | $3 | $32 | 21.48% |
| ASCELA PARTNERS LLC3 Filed as: ASCELA PARTNERS | 200 CONTINENTAL DRIVE NEWARK, DE 19713 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 20.13% |
| COLIN KELLY GARVIN3 | 160 WHEELER ROAD MONROE, CT 06468 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 7.38% |
| JOHN R KLIMCHAK3 Filed as: JOHN BOCK | 8 NEVINWOOD PLACE HUNTINGTON, NY 11743 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 2.68% |
| KIMANI MATTHEW3 | 153 SOUTH 11TH AVE MT VERNON, NY 10550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.67% |
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 | 1,300 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,300 | $133K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 7 | $149 |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,300 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,300 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.