| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARY K GREENSAGE, LLC3 Filed as: GARY K. GREENSAGE | 18230 N. ELDRIDGE PKWY TOMBALL, TX 77377 | GUARDIAN LIFE INSURANCE COMPANY | $28K | $4K | $33K | 5.49% |
| DENNIS FENNELL3 Filed as: DENNIS R. GREENSAGE | 18230 N. ELDRIDGE PKWY TOMBALL, TX 77377 | GUARDIAN LIFE INSURANCE COMPANY | $28K | — | $28K | 4.76% |
| DENNIS FENNELL3 Filed as: DENNIS R. GREENSAGE | 18230 N. ELDRIDGE PKWY TOMBALL, TX 77377 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $69K | — | $69K | 12.10% |
| GARY K GREENSAGE, LLC3 Filed as: GARY K. GREENSAGE | 18230 N. ELDRIDGE PKWY. TOMBALL, TX 77377 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $69K | — | $69K | 12.10% |
| DENA PATTERSON3 | 5117 RAINFLOWER CIRCLE SO. LEAGUE CITY, TX 77523 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 6.97% |
| CHRISTIAN M KRUEGER3 Filed as: CHRISTIAN M. KRUEGER | 531 BEVERLY LN. NEW BRAUNFELS, TX 78130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 2.33% |
| MATTHEW SUTTON3 | 31927 WILDWOOD PARK LANE CONROE, TX 77385 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.40% |
| ALYSSA M WYBLE3 Filed as: ALYSSA M. WYBLE | 5114 RAINFLOWER CIRCLE SO. LEAGUE CITY, TX 77523 | CONTINENTAL AMERICAN INSURANCE COMPANY | $915 | — | $915 | 0.69% |
| JEFFREY C WEST3 Filed as: JEFFREY C. WEST | 17403 WIDMORE PL 7200 SPRING CYPRESS ROAD SPRING, TX 77379 | CONTINENTAL AMERICAN INSURANCE COMPANY | $773 | — | $773 | 0.58% |
| EDDIE PLAISANCE3 Filed as: EDDIE I. PLAISANCE | 551 ALABAMA PARK CONROE, TX 77302 | CONTINENTAL AMERICAN INSURANCE COMPANY | $762 | — | $762 | 0.57% |
| SARA MCKAY3 | 39 GOLDEN PL THE WOODLANDS, TX 77381 | CONTINENTAL AMERICAN INSURANCE COMPANY | $281 | — | $281 | 0.21% |
| KIM REED SMITH3 Filed as: KIM R. SMITH | 7815 DEERWOOD LAKE DRIVE HUMBLE, TX 77346 | CONTINENTAL AMERICAN INSURANCE COMPANY | $229 | — | $229 | — |
| MICHAEL GRASS3 Filed as: MICHAEL P. GRASS | 25619 RYANS CREEK COURT KATY, TX 77494 | CONTINENTAL AMERICAN INSURANCE COMPANY | $184 | — | $184 | — |
| TODD A STULL3 Filed as: TODD A. STULL | 2639 JADE FOREST LANE KATY, TX 77494 | CONTINENTAL AMERICAN INSURANCE COMPANY | $165 | — | $165 | — |
| MAEDE C MILLER3 Filed as: MAEDE C. MILLER | 17133 KNOLL DALE TRAIL CONROE, TX 77385 | CONTINENTAL AMERICAN INSURANCE COMPANY | $46 | — | $46 | — |
| PRENTISS A CASTLE, JR3 Filed as: PRENTISS A. CASTLE, JR. | 25503 PENGUIN STREET MAGNOLIA, TX 77355 | CONTINENTAL AMERICAN INSURANCE COMPANY | $46 | — | $46 | — |
| CHERISE M WADE3 Filed as: CHERISE M. WADE | 922 EVA LANE KATY, TX 77450 | CONTINENTAL AMERICAN INSURANCE COMPANY | $46 | — | $46 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 N/A | Named fiduciary; Other services; Contract Administrator; Participant communication; Float revenue; Non-monetary compensation; Direct payment from the plan; Claims processing Service code 12 | — | $201K |
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 | 470 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 478 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 710 | $568K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 536 | $598K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 536 | $598K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 536 | $598K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 536 | $598K |
| Other(3 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 536 | $731K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 710 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.