| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARY K GREENSAGE, LLC3 Filed as: GARY K GREENSAGE LLC | 18230 N ELDRIDGE PKWY TOMBALL, TX 77377 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $42K | $0 | $42K | 11.12% |
| GARY K GREENSAGE, LLC3 Filed as: GARY K GREENSAGE LLC | 18230 N ELDRIDGE PKWY TOMBALL, TX 77377 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20K | $0 | $20K | 10.26% |
| DENNIS FENNELL3 Filed as: DENNIS R GREENSAGE LLC | 18230 N ELDRIDGE PKWY TOMBALL, TX 77377 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $797 | $0 | $797 | 0.41% |
| CLARUS BENEFITS GROUP LLC3 | 3000 WESLAYAN ST HOUSTON, TX 77027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $502 | $0 | $502 | 3.42% |
| DARIN POTTS3 | 100 DETERING ST, APT 2128 HOUSTON, TX 77007 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $419 | $0 | $419 | 2.85% |
| NATALIE JONES TELTOW3 | 1742 WICKHAM REACH DR SPRING, TX 77386 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | $0 | $82 | 0.56% |
| VERA ANN PAREDES3 | PO BOX 1283 PASADENA, TX 77501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $60 | $0 | $60 | 0.41% |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | $0 | $30 | 0.20% |
| JOE ANTHONY RODRIGUEZ3 | 902 DIPPING LANE HOUSTON, TX 77076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | $0 | $22 | 0.15% |
| MARIA LUGO-VALADEZ3 | 11427 STANCLIFF RD HOUSTON, TX 77099 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $0 | $21 | 0.14% |
| MARY REBECCA BOWLES3 | 147 W WADING POND CIRCLE TOMBALL, TX 77375 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| BOWLES INSURANCE SERVICES LLC3 | 147 W WADING POND CIRCLE TOMBALL, TX 77375 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | 2610 ALCOTT STREET CARMEL, IN 46032 | THE PAUL REVERE LIFE INSURANCE COMPANY | $14 | $0 | $14 | 2.02% |
| DARIN POTTS3 | 100 DETERING ST, APT 2128 HOUSTON, TX 77007 | THE PAUL REVERE LIFE INSURANCE COMPANY | $7 | $0 | $7 | 1.01% |
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 | 138 | 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) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 182 | $378K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 174 | $193K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 174 | $193K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 174 | $193K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 174 | $194K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 174 | $193K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 174 | $208K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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.