| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOUDOVINO DIAZ3 | 26 CENTURY BOULEVARD NASHVILLE, TN 37214 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | — | $96K | $96K | 1.72% |
| BRIAN K GODFREY ENTERPRISES, INC.3 Filed as: BRIAN GODFREY | 85 SHARPTOP RIDGE ROAD JASPER, GA 30143 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | — | $79K | $79K | 1.41% |
| BRIAN K GODFREY ENTERPRISES, INC.3 | 85 SHARPTOP RIDGE ROAD JASPER, GA 30143 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $46K | — | $46K | 6.42% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOERS WATSON SOUTHEAST INC | 29982 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $11K | — | $11K | 1.52% |
| KARL WELCH3 Filed as: KARL W WELCH | 9101 BIG SPRINGS ROAD CHRISTIANA, TN 37037 | SYMETRA LIFE INSURANCE COMPANY | $22K | — | $22K | 5.66% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 26 CENTURY BOULEVARD 7TH FLOOR NASHVILLE, TN 37214 | SYMETRA LIFE INSURANCE COMPANY | $19K | — | $19K | 4.88% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | SYMETRA LIFE INSURANCE COMPANY | $9K | — | $9K | 2.25% |
| KARL WELCH3 | 9101 BIG SPRINGS ROAD CHRISTIANA, TN 37037 | VISION SERVICE PLAN | $2K | — | $2K | 1.43% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC. | 29982 NETWORK PLACE CHICAGO, IL 60673 | VISION SERVICE PLAN | $587 | — | $587 | 0.54% |
| BRIAN K GODFREY ENTERPRISES, INC.3 | 85 SHARPTOP RIDGE ROAD JASPER, GA 30143 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $3K | — | $3K | 6.40% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 29982 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $806 | — | $806 | 1.60% |
| BRIAN K GODFREY ENTERPRISES, INC.3 | 85 SHARPTOP RIDGE ROAD JASPER, GA 30143 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $2K | — | $2K | 6.40% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 29982 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $468 | — | $468 | 1.60% |
| BRIAN K GODFREY ENTERPRISES, INC.3 | 85 SHARPTOP RIDGE ROAD JASPER, GA 30143 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $2K | — | $2K | 6.40% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 29982 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $394 | — | $394 | 1.60% |
| BRIAN K GODFREY ENTERPRISES, INC.3 | 85 SHARPTOP RIDGE ROAD JASPER, GA 30143 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $940 | — | $940 | 6.40% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 29982 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $235 | — | $235 | 1.60% |
| BRIAN K GODFREY ENTERPRISES, INC.3 | 85 SHARPTOP RIDGE ROAD JASPER, GA 30143 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $128 | — | $128 | 6.39% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 29982 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $32 | — | $32 | 1.60% |
| BRIAN K GODFREY ENTERPRISES, INC.3 | 85 SHARPTOP RIDGE ROAD JASPER, GA 30143 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $57 | — | $57 | 6.43% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 29982 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $14 | — | $14 | 1.58% |
| BRIAN K GODFREY ENTERPRISES, INC.3 | 85 SHARPTOP RIDGE ROAD JASPER, GA 30143 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $51 | — | $51 | 6.44% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 29982 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $13 | — | $13 | 1.64% |
| BRIAN K GODFREY ENTERPRISES, INC.3 | 85 SHARPTOP RIDGE ROAD JASPER, GA 30143 | CIGNA DENTAL HEALTH OF OHIO, INC. | $42 | — | $42 | 6.43% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 29982 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF OHIO, INC. | $10 | — | $10 | 1.53% |
| BRIAN K GODFREY ENTERPRISES, INC.3 | 85 SHARPTOP RIDGE ROAD JASPER, GA 30143 | CIGNA DENTAL HEALTH OF MISSOURI, INC. | $36 | — | $36 | 6.44% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 29982 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF MISSOURI, INC. | $9 | — | $9 | 1.61% |
| BRIAN K GODFREY ENTERPRISES, INC.3 | 85 SHARPTOP RIDGE ROAD JASPER, GA 30143 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $36 | — | $36 | 6.44% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 29982 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $9 | — | $9 | 1.61% |
| BRIAN K GODFREY ENTERPRISES, INC.3 | 85 SHARPTOP RIDGE ROAD JASPER, GA 30143 | CIGNA DENTAL HEALTH OF ILLINOIS, INC. | $30 | — | $30 | 6.44% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 29982 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF ILLINOIS, INC. | $7 | — | $7 | 1.50% |
| BRIAN K GODFREY ENTERPRISES, INC.3 | 85 SHARPTOP RIDGE ROAD JASPER, GA 30143 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $27 | — | $27 | 6.44% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 29982 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $7 | — | $7 | 1.67% |
| BRIAN K GODFREY ENTERPRISES, INC.3 | 85 SHARPTOP RIDGE ROAD JASPER, GA 30143 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | $6 | — | $6 | 6.45% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 29982 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | $1 | — | $1 | 1.08% |
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 | 1,223 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 80 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,321 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 1,585 | $5.6M |
| Dental(14 contracts, 14 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 887 | $845K |
| Vision | VISION SERVICE PLAN | 821 | $109K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 1,265 | $396K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,265 | $396K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,265 | $396K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 1,265 | $396K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,585 | — |
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.