| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CIVELLO INSURANCE CONSULTING GROUP3 | 4 ADLER DR SUITE 2 EAST SYRACUSE, NY 13057 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $60K | $1K | $61K | 11.01% |
| CIVELLO INSURANCE CONSULTING GROUP3 | 4 ADLER DRIVE SUITE 2 EAST SYRACUSE, NY 13057 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $54K | — | $54K | 15.00% |
| CIVELLO INSURANCE CONSULTING GROUP3 | 4 ADLER DRIVE SUITE 2 EAST SYRACUSE, NY 13057 | EQUITABLE FINANCIAL LIFE INSURANCE CO OF AMERICA | $55K | $7K | $62K | 18.62% |
| CIVELLO INSURANCE CONSULTING GROUP3 | 4 ADLER DRIVE SUITE 2 EAST SYRACUSE, NY 13057 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $48K | — | $48K | 15.00% |
| CIVELLO INSURANCE CONSULTING GROUP3 | 4 ADLER DRIVE SUITE 2 EAST SYRACUSE, NY 13057 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 11.76% |
| CIVELLO INSURANCE CONSULTING GROUP3 | 4 ADLER DRIVE SUITE 2 EAST SYRACUSE, NY 13057 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 11.94% |
| PRIMHR INC3 | PO BOX 7411145 CHICAGO, IL 60574 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $8K | — | $8K | 17.00% |
| CIVELLO INSURANCE CONSULTING GROUP3 | 4 ADLER DRIVE SUITE 2 EAST SYRACUSE, NY 13057 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 15.00% |
| CIVELLO INSURANCE CONSULTING GROUP3 | 4 ADLER DR SUITE 2 EAST SYRACUSE, NY 13057 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $483K | — | $483K | — |
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 | 1,024 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,024 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,024 | $0 |
| Dental(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,605 | $682K |
| Vision(3 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,605 | $724K |
| Life insurance(4 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,793 | $1.0M |
| Long-term disability(3 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,690 | $705K |
| Other(5 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,793 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,793 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.