| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL M. CICCHELLA3 Filed as: MICHAEL M CICCHELLA | 7789 SUTTON RD SOUTH LYON, MI 48178 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | — | $0 | 0.00% |
| ALAN J. KAUFMAN3 | 30833 NORTHWESTERN HWY SUITE 200 FARMINGTON HILLS, MI 48334 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | — | $0 | 0.00% |
| CICCHELLA & ASSOCIATES LLC3 Filed as: CICCHELLA FINANACIAL GROUP | 7789 SUTTON RD SOUTH LYON, MI 48178 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $59K | — | $59K | 18.52% |
| CICCHELLA & ASSOCIATES LLC3 Filed as: CICCHELLA FINANCIAL GROUP | 7789 SUTTON RD SOUTH LYON, MI 48178 | LIFE INSURANCE COMPANY OF NORTH AMERICA (6) | $30K | — | $30K | 18.53% |
| MICHAEL M. CICCHELLA | 7789 SUTTON RD SOUTH LYON, MI 48178 | UNUM LIFE INSURANCE COMPANY OF AMERICA (11) | $3K | — | $3K | 7.50% |
| ALAN J. KAUFMAN | 30833 NORTHWESTERN HWY SUITE 200 FARMINGTON HILLS, MI 48334 | UNUM LIFE INSURANCE COMPANY OF AMERICA (11) | $3K | — | $3K | 7.50% |
| CICHELLA & ASSOCIATES3 Filed as: CICHELLA FINANCIAL GROUP | 7789 SUTTON RD SOUTH LYON, MI 48178 | LIFE INSURANCE COMPANY OF NORTH AMERICA (5) | $6K | — | $6K | 18.51% |
| STEVEN RAY GRIFFIN Filed as: STEVEN GRIFFIN | 2000 MORRIS AVE STE 1400 BIRMINGHAM, AL 35203 | PROVIDENT LIFE AND ACCICDENT INSURANCE COMPANY | $1K | — | $1K | 3.91% |
| BENEFIT COMMUNICATIONS INC | 2977 SIDCO DR NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCICDENT INSURANCE COMPANY | $106 | — | $106 | 0.39% |
| MICHAEL M. CICCHELLA | 7789 SUTTON RD SOUTH LYON, MI 48178 | PROVIDENT LIFE AND ACCICDENT INSURANCE COMPANY | $78 | — | $78 | 0.29% |
| CHRISTOPHER THOMAS SMITH Filed as: CHRISTOPHER MORRIS | 2977 SIDCO DR NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCICDENT INSURANCE COMPANY | $16 | — | $16 | 0.06% |
| MICHAEL M. CICCHELLA | 7789 SUTTON RD SOUTH LYON, MI 48178 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 7.50% |
| ALAN J. KAUFMAN | 30833 NORTHWESTERN HWY SUITE 200 FARMINGTON HILLS, MI 48334 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 7.50% |
| CICCHELLA & ASSOCIATES LLC | 7789 SUTTON RD SOUTH LYON, MI 48178 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES(10) | $1K | — | $1K | 10.00% |
| MICHAEL M. CICCHELLA | 7789 SUTTON RD SOUTH LYON, MI 48178 | UNUM LIFE INSURANCE COMPANY OF AMERICA (16) | $222 | — | $222 | 10.00% |
| MICHAEL M. CICCHELLA | 7789 SUTTON RD SOUTH LYON, MI 48178 | UNUM LIFE INSURANCE COMPANY OF AMERICA (12) | $96 | — | $96 | 7.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INS. COMPANY EIN 59-1031071 CLAIMS ADMINISTRATION | Participant communication; Float revenue; Non-monetary compensation; Contract Administrator; Direct payment from the plan; Other services; Named fiduciary; Claims processing Service code 12 | — | $1.1M |
| CIGNA BEHAVIORAL HEALTH, INC. EIN 41-1648670 CLAIMS ADMINISTRATION | Participant communication; Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | — | $30K |
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 | 1,152 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 17 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,214 | $316K |
| Short-term disability(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCICDENT INSURANCE COMPANY | 1,274 | $44K |
| Long-term disability(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA (6) | 1,446 | $189K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,252 | $2.3M |
| Other(9 contracts, 8 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,214 | $471K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,252 | — |
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.