| 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 | 0.45% |
| CICCHELLA & ASSOCIATES LLC3 Filed as: CICCHELLA FINANCIAL GROUP LLC | 7789 SUTTON ROAD SOUTH LYON, MI 48178 | CIGNA HEALTHCARE OF CA | $7K | — | $7K | 0.45% |
| MICHAEL M. CICCHELLA3 Filed as: MICHAEL M CICCHELLA | 7789 SUTTON RD SOUTH LYON, MI 48178 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $48K | — | $48K | 16.80% |
| MICHAEL M. CICCHELLA3 Filed as: MICHAEL M CICCHELLA | 7789 SUTTON RD SOUTH LYON, MI 48178 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $29K | — | $29K | 16.82% |
| MICHAEL M. CICCHELLA3 | 7789 SUTTON RD SOUTH LYON, MI 48178 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 7.50% |
| ALAN J. KAUFMAN3 | 30833 NORTHWESTERN HWY SUITE 200 FARMINGTON HILLS, MI 48334 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 7.28% |
| STEVEN RAY GRIFFIN3 Filed as: STEVEN GRIFFIN | 2000 MORRIS AVE STE 1400 BIRMINGHAM, AL 35203 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 3.79% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $323 | — | $323 | 0.75% |
| MICHAEL M. CICCHELLA3 Filed as: MICHAEL CICCHELLA | 7789 SUTTON RD SOUTH LYON, MI 48178 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $130 | — | $130 | 0.30% |
| CHRISTOPHER THOMAS SMITH3 Filed as: CHRISTOPHER MORRIS | 2977 SIDCO DR NASHVILLE, TN 37204 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $48 | — | $48 | 0.11% |
| MICHAEL M. CICCHELLA3 Filed as: MICHAEL M CICHELLA | 7789 SUTTON RD SOUTH LYON, MI 48178 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 16.90% |
| MICHAEL M. CICCHELLA | 7789 SUTTON RD SOUTH LYON, MI 48178 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $263 | — | $263 | 9.29% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INS. COMPANY EIN 59-1031071 CLAIMS ADMINISTRATION | Claims processing; Non-monetary compensation; Direct payment from the plan; Float revenue; Other services; Contract Administrator; Named fiduciary; Participant communication Service code 12 | — | $1.2M |
| CIGNA BEHAVIORAL HEALTH, INC. EIN 41-1648670 CLAIMS ADMINISTRATION | Participant communication; Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $39K |
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 | 1,290 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 30 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,331 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTHCARE OF CA | 171 | $1.6M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,290 | $283K |
| Long-term disability(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,290 | $222K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,290 | $1.6M |
| Other(5 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,290 | $401K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,290 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.