| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DENNIS FENNELL3 Filed as: DENNIS R GREENSAGE LLC | 18230 N ELDRIDGE PKWY TOMBALL, TX 77377 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $2K | $0 | $2K | 4.95% |
| GARY K GREENSAGE LLC3 | 18230 N ELDRIDGE PKWY TOMBALL, TX 77377 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $2K | $0 | $2K | 4.95% |
| GARY K GREENSAGE LLC3 | 18230 N ELDRIDGE PKWY TOMBALL, TX 77377 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 7.50% |
| DENNIS FENNELL3 Filed as: DENNIS R GREENSAGE LLC | 18230 N ELDRIDGE PKWY TOMBALL, TX 77377 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 7.50% |
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHAGRIN BLVD. BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 5.00% |
| GARY K GREENSAGE LLC3 | 18230 N ELDRIDGE PKWY TOMBALL, TX 77377 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 7.50% |
| DENNIS FENNELL3 Filed as: DENNIS R GREENSAGE LLC | 18230 N ELDRIDGE PKWY TOMBALL, TX 77377 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 7.50% |
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHAGRIN BLVD BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 5.00% |
| GARY K GREENSAGE LLC3 | 18230 N ELDRIDGE PKWY TOMBALL, TX 77377 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 7.50% |
| DENNIS FENNELL3 Filed as: DENNIS R GREENSAGE LLC | 18230 N ELDRIDGE PKWY TOMBALL, TX 77377 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 7.50% |
| CENTRO BENEFITS RESEARCH LLC3 | 24599 CHAGRIN BLVD BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 5.00% |
| GARY K GREENSAGE LLC3 | 18230 N ELDRIDGE PKWY TOMBALL, TX 77377 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $659 | $0 | $659 | 7.50% |
| DENNIS FENNELL3 Filed as: DENNIS R GREENSAGE LLC | 18230 N ELDRIDGE PKWY TOMBALL, TX 77377 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $659 | $0 | $659 | 7.50% |
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHAGRIN BLVD BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $439 | $439 | 5.00% |
| ICI CREATIVE SOLUTIONS INC.3 | 8350 NORTH CENTRAL EXPY SUITE 980 DALLAS, TX 75206 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $1K | $1K | 28.91% |
| DENNIS FENNELL3 Filed as: DENNIS R GREENSAGE LLC | 18230 N ELDRIDGE PKWY TOMBALL, TX 77377 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $484 | $0 | $484 | 11.99% |
| GARY K GREENSAGE LLC3 | 18230 N ELDRIDGE PKWY TOMBALL, TX 77377 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $484 | $0 | $484 | 11.99% |
| DENNIS FENNELL3 Filed as: DENNIS R GREENSAGE LLC | 18230 N ELDRIDGE PKWY TOMBALL, TX 77377 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $0 | $4K | 99.22% |
| ICI CREATIVE SOLUTIONS INC.3 | 8350 NORTH CENTRAL EXPY SUITE 980 DALLAS, TX 75206 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $1K | $1K | 31.42% |
| GARY K GREENSAGE LLC3 | 18230 N ELDRIDGE PKWY TOMBALL, TX 77377 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $477 | $0 | $477 | 12.84% |
| ICI CREATIVE SOLUTIONS INC.3 | 8350 NORTH CENTRAL EXPY SUITE 980 DALLAS, TX 75206 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $1K | $1K | 38.78% |
| DENNIS FENNELL3 Filed as: DENNIS R GREENSAGE LLC | 18230 N ELDRIDGE PKWY TOMBALL, TX 77377 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $361 | $0 | $361 | 12.01% |
| GARY K GREENSAGE LLC3 | 18230 N ELDRIDGE PWKY TOMBALL, TX 77377 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $361 | $0 | $361 | 12.01% |
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 | 562 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 566 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 232 | $47K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 232 | $47K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 486 | $37K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 100 | $37K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 486 | $35K |
| Other(5 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 486 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 486 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.