| 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 | BLUE CROSS BLUE SHIELD OF TEXAS | $0 | $24 | $24 | 0.00% |
| G&G ORGANIZATION LTD DBA PFS GROUP0 | 2600 NORTH LOOP WEST SUITE 150 HOUSTON, TX 77092 | BLUE CROSS BLUE SHIELD OF TEXAS | $0 | $5 | $5 | 0.00% |
| DENNIS FENNELL3 Filed as: DENNIS R GREENSAGE LLC | 18230 N ELDRIDGE PKWY TOMBALL, TX 77377 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $7K | — | $7K | 4.94% |
| GARY K GREENSAGE, LLC3 Filed as: GARY K GREENSAGE LLC | 18230 N ELDRIDGE PKWY TOMBALL, TX 77377 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $7K | — | $7K | 4.94% |
| GARY K GREENSAGE, LLC3 Filed as: GARY K GREENSAGE LLC | 18230 N ELDRIDGE PKWY TOMBALL, TX 77377 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 6.94% |
| DENNIS FENNELL3 Filed as: DENNIS R GREENSAGE LLC | 18230 N ELDRIDGE PKWY TOMBALL, TX 77377 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 6.94% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $199 | $2K | 4.62% |
| GARY K GREENSAGE, LLC3 Filed as: GARY K GREENSAGE LLC | 18230 N ELDRIDGE PKWY TOMBALL, TX 77377 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 6.94% |
| DENNIS FENNELL3 Filed as: DENNIS R GREENSAGE LLC | 18230 N ELDRIDGE PKWY TOMBALL, TX 77377 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 6.94% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $155 | $2K | 4.62% |
| GARY K GREENSAGE, LLC3 Filed as: GARY K GREENSAGE LLC | 18230 N ELDRIDGE PKWY TOMBALL, TX 77377 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 6.92% |
| DENNIS FENNELL3 Filed as: DENNIS R GREENSAGE LLC | 18230 N ELDRIDGE PKWY TOMBALL, TX 77377 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 6.92% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $140 | $2K | 4.61% |
| DENNIS FENNELL3 Filed as: DENNIS R GREENSAGE LLC | 18230 N ELDRIDGE PKWY TOMBALL, TX 77377 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 6.85% |
| GARY K GREENSAGE, LLC3 Filed as: GARY K GREENSAGE LLC | 18230 N ELDRIDGE PKWY TOMBALL, TX 77377 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 6.85% |
| GARY K GREENSAGE, LLC3 Filed as: GARY K GREENSAGE LLC | 18230 N ELDRIDGE PKWY TOMBALL, TX 77377 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 6.83% |
| DENNIS FENNELL3 Filed as: DENNIS R GREENSAGE LLC | 18230 N ELDRIDGE PKWY TOMBALL, TX 77377 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 6.84% |
| GARY K GREENSAGE, LLC3 Filed as: GARY K GREENSAGE LLC | 18230 N ELDRIDGE PKWY TOMBALL, TX 77377 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 6.84% |
| GARY K GREENSAGE, LLC3 Filed as: GARY K GREENSAGE LLC | 18230 N ELDRIDGE PKWY TOMBALL, TX 77377 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $736 | — | $736 | 6.93% |
| DENNIS FENNELL3 Filed as: DENNIS R GREENSAGE LLC | 18230 N ELDRIDGE PKWY TOMBALL, TX 77377 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $736 | — | $736 | 6.93% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $452 | $39 | $491 | 4.63% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INS COMPANY EIN 59-1031071 TPA | Direct payment from the plan; Named fiduciary; Participant communication; Other services; Claims processing; Non-monetary compensation; Contract Administrator; Float revenue Service code 12 | PO BOX 20643 LEHIGH VALLEY, PA 18002 | $98K |
| CIGNA | Contract Administrator; Other services; Float revenue; Claims processing; Non-monetary compensation; Named fiduciary; Participant communication; Direct payment from the plan Service code 12 | — | $0 |
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 | 257 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF TEXAS | 307 | $1.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 281 | $147K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 281 | $147K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 797 | $42K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 143 | $39K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 523 | $54K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 797 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 797 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.