| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MAX & SIERRA INC DBA ALTA BENEFITS3 Filed as: MAX & SIERRA, INC DBA ALTA BENEFITS | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $42K | — | $42K | 9.66% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $17K | $9K | $26K | 5.96% |
| MAX & SIERRA INC DBA ALTA BENEFITS3 Filed as: MAX & SIERRA, INC DBA ALTA BENEFITS | 201 WEST MAIN STREET SUITE 100 DURHAM, NC 27701 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $8K | — | $8K | 7.12% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | $5K | $8K | 7.08% |
| MAX & SIERRA INC3 | 201 WEST MAIN STREET SUITE 100, PBM 104 DURHAM, NC 27701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 10.85% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.15% |
| MAX & SIERRA INC3 | 201 WEST MAIN STREET SUITE 100, PBM 104 DURHAM, NC 27701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 10.96% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TN INC | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.04% |
| MAX & SIERRA INC3 Filed as: MAX & SIERRA, INC. | 201 WEST MAION STREET SUITE 100 PBM310 DURHAM, NC 27701 | AMFIRST | $3K | — | $3K | 7.15% |
| MORGAN WHITE LIMITED D/B/A MWG BROK3 | PO BOX 14067 JACKSON, MS 39236 | AMFIRST | $2K | — | $2K | 5.23% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE, INC. | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | AMFIRST | $1K | — | $1K | 2.86% |
| MATTHEW G BERGER3 Filed as: MATTHEW HERREN (MWL) | — | AMFIRST | $398 | — | $398 | 0.91% |
| ROBERT GRUBER3 | 201 WEST MAION STREET SUITE 100 PBM310 DURHAM, NC 27701 | AMFIRST | $3K | — | $3K | 7.23% |
| MORGAN WHITE LIMITED D/B/A MWG BROK3 | PO BOX 14067 JACKSON, MS 39236 | AMFIRST | $2K | — | $2K | 5.23% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE, INC. | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | AMFIRST | $1K | — | $1K | 2.77% |
| MATTHEW G BERGER3 Filed as: MATTHEW HERREN (MWL) | — | AMFIRST | $394 | — | $394 | 0.99% |
| MAX & SIERRA INC3 | 201 WEST MAIN STREET SUITE 100, PBM 104 DURHAM, NC 27701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 11.63% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TN INC | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 3.37% |
| MAX & SIERRA INC3 | 201 WEST MAIN STREET SUITE 100 DURHAM, NC 27701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.95% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TN INC | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $711 | — | $711 | 4.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 20.63% |
| MAX & SIERRA INC3 | 201 WEST MAIN STREET SUITE 100, PBM 104 DURHAM, NC 27701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 17.90% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TN INC | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $941 | — | $941 | 6.22% |
| MAX & SIERRA INC3 | 201 WEST MAIN STREET SUITE 100, PBM 104 DURHAM, NC 27701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 23.22% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TN INC | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $996 | — | $996 | 6.79% |
| MAX & SIERRA INC3 | 201 WEST MAIN STREET SUITE 100, PBM 104 DURHAM, NC 27701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 18.31% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TN INC | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $787 | — | $787 | 6.33% |
No Schedule C service providers reported on this filing.
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 | 188 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 193 | $433K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 153 | $107K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 153 | $107K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 183 | $72K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 87 | $51K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 183 | $32K |
| Other(8 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 183 | $214K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.