H. W. Kaufman Financial Group,inc.
Updated Filing received by DOL
H. W. Kaufman Financial Group,inc., a finance & insurance employer in Farmington Hills, Michigan, reported 1,319 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows 11 insurance contracts with no premium reported and $122,634 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on October 9, 2025, within the extension window.
Who was paid on H. W. Kaufman Financial Group,inc.'s plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract H. W. Kaufman Financial Group,inc. filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Cicchella Finanacial Group · South Lyon, MI | $71,505 | $0 | $71,505 | 1 |
| Cicchella Financial Group · South Lyon, MI | $48,241 | $0 | $48,241 | 3 |
| Steven Griffin · Birmingham, AL | $967 | $0 | $967 | 1 |
| Michael Cicchella · South Lyon, MI | $779 | $0 | $779 | 1 |
| Alan J. Kaufman · Farmington Hills, MI | $779 | $0 | $779 | 1 |
| Michael M. Cicchella · South Lyon, MI | $233 | $0 | $233 | 2 |
| Benefit Communications Inc · Nashville, TN | $114 | $0 | $114 | 1 |
| Christopher Morris · Nashville, TN | $16 | $0 | $16 | 1 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2024, as published in EBSA's 2024 "Latest" dataset. Part I names whoever the carrier paid, which can be a firm or an individual agent; both are public record. Amounts exclude pay from carriers not tied to a listed contract.
Insurance contracts and carriers
Every insurance contract reported on Schedule A: carrier, what it covers, people covered at year end, earned premium, and broker compensation.
| Carrier · coverage | Covered | Premium | Broker pay | Rate |
|---|---|---|---|---|
| Life Insurance Company of North Americalife | 1,984 | — | $71,505 | — |
| Unum Life Insurance Company of Americalong-term disability | 10 | — | $1,558 | — |
| Cigna Health and Life Insurance Company and Affiliatesstop-loss, indemnity | 2,292 | — | — | — |
| Life Insurance Company of North America (4)coverage not coded | 1,524 | — | $7,126 | — |
| Life Insurance Company of North America (5)long-term disability | 1,524 | — | $40,085 | — |
| Life Insurance Company of North Americashort-term disability | 1,277 | — | — | — |
| Cigna Health and Life Insurance Company and Affiliates (1)health, indemnity | 616 | — | — | — |
| Provident Life and Accicdent Insurance Companyshort-term disability | 95 | — | $1,136 | — |
| Provident Life and Accident Insurance Company (15)long-term disability | 10 | — | — | — |
| Unum Life Insurance Company of America (12)coverage not coded | 4 | — | $194 | — |
| Cigna Health and Life Insurance Company and Affiliates (2)coverage not coded | 1 | — | $1,030 | — |
Source: DOL Form 5500 Schedule A, plan year 2024. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How H. W. Kaufman Financial Group,inc. compares
Medians across employers for plan year 2024, the most recent complete year. Commission rates use fully insured medical contracts only; dollar medians use every employer that disclosed broker pay.
Not computable: no insured medical premium on the filing.
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Year over year
| 2023 | 2024 | Change | |
|---|---|---|---|
| Participants | 1,315 | 1,319 | +0.3% |
| Premiums filed | $0 | $0 | — |
| Broker commissions + fees | $114,781 | $122,634 | +6.8% |
| Commission rate | — | — | — |
Source: DOL Form 5500 filings for plan years 2023 and 2024.
Filings and timeliness
Plans this employer filed under its EIN with a health benefit code. Large plans are due seven months after the plan year ends, or two and a half months later with an extension; amended filings carry the amendment date, so no timing is asserted for them.
| Plan | Plan year end | Received by DOL | Timing | Participants |
|---|---|---|---|---|
| H.W. Kaufman Financial Group Employee Benefit Plan#501 · insurance, general assets | December 31, 2024 | October 9, 2025 | within extension | 1,319 |
Source: DOL Form 5500 Part I and signature dates; "late" means received after the extended deadline (the 15th day of the tenth month after plan year end). What a late Form 5500 costs.
How much did H. W. Kaufman Financial Group,inc. pay in health insurance broker commissions in 2024?
H. W. Kaufman Financial Group,inc.'s 2024 Form 5500 reports $122,634 in broker commissions and fees across 11 insurance contracts ($122,634 in commissions, $0 in fees), with Cicchella Finanacial Group receiving the largest share.
Is H. W. Kaufman Financial Group,inc.'s health plan self-funded or fully insured?
The 2024 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Cigna Health and Life Insurance Company and Affiliates (1).
How does H. W. Kaufman Financial Group,inc.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for H. W. Kaufman Financial Group,inc. because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 1,000-4,999 participants that disclosed broker pay reported a median of $168,579.
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Record built October 24, 2026 from U.S. Department of Labor, EBSA Form 5500 datasets (2025, 2024, 2023 plan years, 'Latest' files). Filings can run 7 to 10 months behind the plan year; always confirm against current plan documents. BenefitsLedger is not affiliated with the U.S. Department of Labor. Open the DOL filing search.