| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIAN K GODFREY ENTERPRISES, INC.3 | 85 SHARPTON RIDGE ROAD JASPER, GA 30143 | UNITED STATES FIRE INSURANCE COMPANY | $80K | — | $80K | 10.00% |
| KARL WELCH3 | 9101 BIG SPRINGS ROAD CHRISIANA, TN 37037 | DELTA DENTAL OF TENNESSEE | $61K | — | $61K | 10.00% |
| KARL WELCH3 Filed as: KARL W WELCH | 9101 BIG SPRINGS ROAD CHRISTIANA, TN 37037 | SYMETRA LIFE INSURANCE COMPANY | $28K | — | $28K | 6.70% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | SYMETRA LIFE INSURANCE COMPANY | $10K | — | $10K | 2.25% |
| CLEARTRACK HR, LLC3 | 360B QUALITY CIRCLE NORTHWEST SUITE 220 HUNTSVILLE, AL 35806 | RELIASTAR LIFE INSURANCE COMPANY | $35K | — | $35K | 25.28% |
| KARL WELCH3 Filed as: KARL W WELCH | 9101 BIG SPRINGS ROAD CHRISTIANA, TN 37037 | RELIASTAR LIFE INSURANCE COMPANY | $9K | — | $9K | 6.32% |
| KARL WELCH3 | 9101 BIG SPRINGS ROAD CHRISTIANA, TN 37037 | VISION SERVICE PLAN | $2K | — | $2K | 2.69% |
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 | 1,213 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 41 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF TENNESSEE | 1,359 | $614K |
| Vision | VISION SERVICE PLAN | 809 | $92K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 1,191 | $425K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,191 | $425K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,191 | $425K |
| Stop-loss / reinsurancereinsurance | UNITED STATES FIRE INSURANCE COMPANY | 739 | $798K |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 1,191 | $562K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,359 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.