| 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 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $26K | $0 | $26K | 6.14% |
| DENNIS FENNELL3 Filed as: DENNIS R. GREENSAGE | 18230 N. ELDRIDGE PKWY TOMBALL, TX 77377 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $26K | $0 | $26K | 6.14% |
| LEROY PHELPS3 | 7467 LYNNBROOK FALLS LANE HUMBLE, TX 77396 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11K | $936 | $12K | 23.41% |
| PATRICIA M PHELPS3 Filed as: PATRICIA M. PHELPS | 7467 LYNNBROOK FALLS LANE HUMBLE, TX 77396 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 9.96% |
| GARY K GREENSAGE, LLC3 Filed as: GARY K. GREENSAGE | 18230 N. ELDRIDGE PKWY TOMBALL, TX 77377 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $433 | $5K | 9.52% |
| JESSICA CHRISTINE LEARD3 | 351 NORTH POST OAK LN, STE 610 HOUSTON, TX 77024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $61 | $3K | 5.08% |
| BETH R. PETERSON3 | 14315 OVERBROOK HOUSTON, TX 77077 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $25 | $2K | 4.58% |
| HONORIO GUILLERMO AQUINO3 | 15 WATERFALL WAY THE WOODLANDS, TX 77375 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $657 | $32 | $689 | 1.36% |
| DEBRA JEAN HUMPHREY3 | 1325 MARDI LN HOUSTON, TX 77055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $572 | $51 | $623 | 1.23% |
| DENNIS L HUMPHREY3 Filed as: DENNIS L. HUMPHREY | 3114 BROOKHAVEN COURT DEER PARK, TX 77536 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $148 | $0 | $148 | 0.29% |
| KENNETH B BOYLES3 Filed as: KENNETH B. BOYLES | PO BOX 7120 THE WOODLANDS, TX 77387 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | $14 | $63 | 0.12% |
| ROBERT J HUMPHREY3 Filed as: ROBERT J. HUMPHREY | 9043 SANDSTONE HOUSTON, TX 77036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | $2 | $51 | 0.10% |
| LEROY PHELPS3 | 7467 LYNNBROOK FALLS LANE HUMBLE, TX 77396 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $108 | $1K | 21.96% |
| GARY K GREENSAGE, LLC3 Filed as: GARY K. GREENSAGE | 18230 N. ELDRIDGE PKWY TOMBALL, TX 77377 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $548 | $54 | $602 | 9.63% |
| PATRICIA M PHELPS3 Filed as: PATRICIA M. PHELPS | 7467 LYNNBROOK FALLS LANE HUMBLE, TX 77396 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $317 | $283 | $600 | 9.60% |
| JESSICA CHRISTINE LEARD3 | 351 NORTH POST OAK LN, STE 610 HOUSTON, TX 77024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $576 | $14 | $590 | 9.44% |
| BETH R. PETERSON3 | 14315 OVERBROOK HOUSTON, TX 77077 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $331 | $4 | $335 | 5.36% |
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 | 494 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 495 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 632 | $522K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 487 | $426K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 487 | $426K |
| Life insurance(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 487 | $483K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 487 | $426K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 632 | $522K |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 487 | $483K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 632 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.