| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALAN J. KAUFMAN3 Filed as: ALAN KAUFMAN | 30833 NORTHWESTERN HWY SUITE 200 FARMINGTON HILLS, MI 48334 | CIGNA HEALTHCARE OF CA | $6K | — | $6K | 0.74% |
| CICCHELLA & ASSOCIATES LLC3 | 7789 SUTTON ROAD SOUTH LYON, MI 48178 | CIGNA HEALTHCARE OF CA | $6K | — | $6K | 0.74% |
| CICCHELLA & ASSOCIATES LLC3 Filed as: CICCHELLA & ASSOCIATES | 7789 SUTTON RD SOUTH LYON, MI 48178 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $27K | — | $27K | 15.00% |
| CICCHELLA & ASSOCIATES LLC3 Filed as: CICCHELLA & ASSOCIATES | 7789 SUTTON RD SOUTH LYON, MI 48178 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $22K | — | $22K | 15.00% |
| STEVEN RAY GRIFFIN3 Filed as: STEVEN GRIFFIN | 2000 MORRIS AVE STE 1400 BIRMINGHAM, AL 35203 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 4.21% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $469 | — | $469 | 0.89% |
| MICHAEL M. CICCHELLA3 Filed as: MICHAEL CICCHELLA | 7789 SUTTON RD SOUTH LYON, MI 48178 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $144 | — | $144 | 0.27% |
| CHRISTOPHER THOMAS SMITH3 Filed as: CHRISTOPHER MORRIS | 2126 21ST AVE S NASHVILLE, TN 37212 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $70 | — | $70 | 0.13% |
| MICHAEL M. CICCHELLA3 | 7789 SUTTON RD SOUTH LYON, MI 48178 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 7.46% |
| ALAN J. KAUFMAN3 | 30833 NORTHWESTERN HWY SUITE 200 FARMINGTON HILLS, MI 48334 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 6.62% |
| CICHELLA & ASSOCIATES3 | 7789 SUTTON RD SOUTH LYON, MI 48178 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| MICHAEL M. CICCHELLA3 | 7789 SUTTON RD SOUTH LYON, MI 48178 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | 0.00% |
| ALAN J. KAUFMAN3 | 30833 NORTHWESTERN HWY SUITE 200 FARMINGTON HILLS, MI 48334 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | 0.00% |
| MICHAEL M. CICCHELLA | 7789 SUTTON RD SOUTH LYON, MI 48178 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $308 | — | $308 | 10.01% |
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 | 1,180 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 28 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTHCARE OF CA | 178 | $857K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,180 | $178K |
| Long-term disability(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,180 | $206K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,041 | $1.1M |
| Other(5 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,180 | $297K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,041 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.