Welfare broker

CIVELLO INSURANCE CONSULTING GROUP

Mailing address (most recent filing)

5015 CAMPUSWOOD DRIVE

SUITE 204

EAST SYRACUSE, NY 13057

Total comp: $1.1M
Commissions: $1.1M
Fees: $0
Filings: 4
Sponsors: 4

Carrier mix

Where CIVELLO INSURANCE CONSULTING GROUP places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA	1	$920K	100.0%

Top states · with penetration index

Plan count by state. Index > 1.0means over-indexed vs the broker's national share.

State	Plans	Premium	State share	Index
NY	1	$920K	0.0%	19.82x

Top industries by premium

NAICS-2 sectors where this broker places the most welfare premium.

Sponsor-size mix

Plan count by total participants. Reveals whether this broker is a mid-market player or jumbo-employer specialist.

Broker compensation as % of premium

Distribution of CIVELLO INSURANCE CONSULTING GROUP's plans by broker comp / premium ratio. Median 14.02% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of CIVELLO INSURANCE CONSULTING GROUP's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where CIVELLO INSURANCE CONSULTING GROUP is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
ARMHR, LLC ARMHR, LLC EMPLOYEE BENEFIT PLAN	NY	$920K	$129K	EQUITABLE FINANCIAL LIFE INSURANCE CO OF AMERICA

Carrier

Plans

Premium

EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA

$920K

100.0%

State

Plans

Premium

State share

Index

$920K

0.0%

19.82x

Sponsor

Loc

Premium

Comp

Carrier

ARMHR, LLC

ARMHR, LLC EMPLOYEE BENEFIT PLAN

$920K

$129K

EQUITABLE FINANCIAL LIFE INSURANCE CO OF AMERICA