| 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 | $7K | — | $7K | 0.72% |
| CICCHELLA & ASSOCIATES LLC3 | 7789 SUTTON ROAD SOUTH LYON, MI 48178 | CIGNA HEALTHCARE OF CA | $7K | — | $7K | 0.72% |
| CICCHELLA & ASSOCIATES LLC3 Filed as: CICCHELLA & ASSOCIATES | 7789 SUTTON RD SOUTH LYON, MI 48178 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $47K | — | $47K | 15.00% |
| CICCHELLA & ASSOCIATES LLC3 Filed as: CICCHELLA & ASSOCIATES | 7789 SUTTON RD SOUTH LYON, MI 48178 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $30K | — | $30K | 15.00% |
| MICHAEL M. CICCHELLA3 | 7789 SUTTON RD SOUTH LYON, MI 48178 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 7.40% |
| ALAN J. KAUFMAN3 | 30833 NORTHWESTERN HWY SUITE 200 FARMINGTON HILLS, MI 48334 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 7.17% |
| STEVEN RAY GRIFFIN3 Filed as: STEVEN GRIFFIN | 2000 MORRIS AVE STE 1400 BIRMINGHAM, AL 35203 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 4.41% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $376 | — | $376 | 0.93% |
| MICHAEL M. CICCHELLA3 Filed as: MICHAEL CICCHELLA | 7789 SUTTON RD SOUTH LYON, MI 48178 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $130 | — | $130 | 0.32% |
| CHRISTOPHER THOMAS SMITH3 Filed as: CHRISTOPHER MORRIS | 2977 SIDCO DR NASHVILLE, TN 37204 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $57 | — | $57 | 0.14% |
| CICHELLA & ASSOCIATES3 | 7789 SUTTON RD SOUTH LYON, MI 48178 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 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 | $269 | — | $269 | 10.82% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INS. COMPANY EIN 59-1031071 CLAIMS ADMINISTRATION | Claims processing; Float revenue; Contract Administrator; Named fiduciary; Participant communication; Direct payment from the plan; Other services; Non-monetary compensation Service code 12 | — | $1.2M |
| CIGNA BEHAVIORAL HEALTH, INC. EIN 41-1648670 CLAIMS ADMINISTRATION | Claims processing; Direct payment from the plan; Participant communication; Contract Administrator Service code 12 | — | $36K |
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 | 1,266 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 43 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTHCARE OF CA | 129 | $953K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 547 | $314K |
| Long-term disability(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,266 | $245K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,130 | $1.4M |
| Other(5 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,266 | $418K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,266 | — |
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.