| 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 | $41K | $0 | $41K | 11.11% |
| 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 | $396 | $0 | $396 | 3.67% |
| DARIN POTTS3 | 100 DETERING ST, APT 2128 HOUSTON, TX 77007 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $332 | $0 | $332 | 3.07% |
| VERA ANN PAREDES3 | PO BOX 4475 PASADENA, TX 77502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | $0 | $55 | 0.51% |
| ACCESS BENEFIT SOLUTIONS LLC3 | 1742 WICKHAM REACH DR SPRING, TX 77386 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | $0 | $48 | 0.44% |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $0 | $25 | 0.23% |
| NATALIE JONES TELTOW3 | 1742 WICKHAM REACH DR SPRING, TX 77386 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | $0 | $24 | 0.22% |
| MARIA LUGO-VALADEZ3 | 11427 STANCLIFF RD HOUSTON, TX 77099 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | $0 | $19 | 0.18% |
| JOE ANTHONY RODRIGUEZ3 | 902 DIPPING LANE HOUSTON, TX 77076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.08% |
| BOWLES INSURANCE SERVICES LLC3 | 12816 S WINDING PINES DR TOMBALL, TX 77375 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.03% |
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 | 169 | 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) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 186 | $367K |
| 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 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 174 | $193K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 174 | $193K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 174 | $204K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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.