Welfare broker

CICCHELLA & ASSOCIATES LLC

Mailing address (most recent filing)

7789 SUTTON RD

SOUTH LYON, MI 48178

Total comp: $120K
Commissions: $120K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

Where CICCHELLA & ASSOCIATES LLC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

CIGNA HEALTH AND LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$3.5M	100.0%

Top states · with penetration index

Plan count by state. Index > 1.0means over-indexed vs the broker's national share.

State	Plans	Premium	State share	Index
MI	1	$3.5M	0.0%	41.16x

Top industries by premium

NAICS-2 sectors where this broker places the most welfare premium.

Sponsor-size mix

Plan count by total participants. Reveals whether this broker is a mid-market player or jumbo-employer specialist.

Broker compensation as % of premium

Distribution of CICCHELLA & ASSOCIATES LLC's plans by broker comp / premium ratio. Median 3.51% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of CICCHELLA & ASSOCIATES LLC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where CICCHELLA & ASSOCIATES LLC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
H. W. KAUFMAN FINANCIAL GROUP,INC. H.W. KAUFMAN FINANCIAL GROUP EMPLOYEE BENEFIT PLAN	MI	$3.5M	$123K	CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES