| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CICCHELLA & ASSOCIATES LLC3 Filed as: CICCHELLA FINANACIAL GROUP | 7789 SUTTON RD SOUTH LYON, MI 48178 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $72K | — | $72K | 17.00% |
| CICCHELLA & ASSOCIATES LLC3 Filed as: CICCHELLA FINANCIAL GROUP | 7789 SUTTON RD SOUTH LYON, MI 48178 | LIFE INSURANCE COMPANY OF NORTH AMERICA (5) | $40K | — | $40K | 17.00% |
| CICCHELLA & ASSOCIATES LLC3 Filed as: CICCHELLA FINANCIAL GROUP | 7789 SUTTON RD SOUTH LYON, MI 48178 | LIFE INSURANCE COMPANY OF NORTH AMERICA (4) | $7K | — | $7K | 17.00% |
| STEVEN RAY GRIFFIN Filed as: STEVEN GRIFFIN | 2000 MORRIS AVE STE 1400 BIRMINGHAM, AL 35203 | PROVIDENT LIFE AND ACCICDENT INSURANCE COMPANY | $967 | — | $967 | 4.08% |
| BENEFIT COMMUNICATIONS INC | 2977 SIDCO DR NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCICDENT INSURANCE COMPANY | $114 | — | $114 | 0.48% |
| MICHAEL M. CICCHELLA | 7789 SUTTON RD SOUTH LYON, MI 48178 | PROVIDENT LIFE AND ACCICDENT INSURANCE COMPANY | $39 | — | $39 | 0.16% |
| CHRISTOPHER THOMAS SMITH Filed as: CHRISTOPHER MORRIS | 2977 SIDCO DR NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCICDENT INSURANCE COMPANY | $16 | — | $16 | 0.07% |
| MICHAEL M. CICCHELLA3 Filed as: MICHAEL CICCHELLA | 7789 SUTTON RD SOUTH LYON, MI 48178 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $779 | — | $779 | 6.91% |
| ALAN J. KAUFMAN3 | 30833 NORTHWESTERN HWY SUITE 200 FARMINGTON HILLS, MI 48334 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $779 | — | $779 | 6.91% |
| CICCHELLA & ASSOCIATES LLC3 | 7789 SUTTON RD SOUTH LYON, MI 48178 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (2) | $1K | — | $1K | 10.00% |
| MICHAEL M. CICCHELLA | 7789 SUTTON RD SOUTH LYON, MI 48178 | UNUM LIFE INSURANCE COMPANY OF AMERICA (12) | $194 | — | $194 | 9.74% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EVERNORTH CARE SOLUTIONS, INC. EIN 86-1465626 CLAIMS ADMINISTRATION | Claims processing; Contract Administrator; Participant communication; Direct payment from the plan Service code 12 | — | $43K |
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 | 1,409 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 53 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,467 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (1) | 616 | $5K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,984 | $421K |
| Short-term disability(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCICDENT INSURANCE COMPANY | 1,277 | $42K |
| Long-term disability(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA (5) | 1,524 | $249K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,292 | $2.7M |
| Other(7 contracts, 6 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,984 | $528K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,292 | — |
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."
No prospect flags tripped on this filing.