| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DENNIS FENNELL3 Filed as: DENNIS R GREENSAGE, LLC | 18230 N ELDRIDGE PKWY TOMBALL, TX 77377 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 1.12% |
| GARY K GREENSAGE, LLC3 Filed as: GARY K GREENSAGE | 18230 N ELDRIDGE PKWY TOMBALL, TX 77377 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 1.12% |
| STOP LOSS INSURANCE SERVICES, INC.3 | 6575 W. LOOP SOUTH, STE 230 BELLAIRE, TX 77401 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $66K | $0 | $66K | 29.21% |
| BENEUSA LLC3 Filed as: BENEUSA | 1851 LAKE DRIVE WEST, STE 350 CHANHASSEN, MN 55317 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $5K | $5K | $9K | 4.16% |
| DENNIS FENNELL3 Filed as: DENNIS R GREENSAGE, LLC | 18230 N ELDRIDGE PKWY TOMBALL, TX 77377 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $0 | $13K | 7.50% |
| GARY K GREENSAGE, LLC3 | 18230 N ELDRIDGE PKWY TOMBALL, TX 77377 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $0 | $13K | 7.50% |
| DENNIS FENNELL3 Filed as: DENNIS R GREENSAGE, LLC | 18230 N ELDRIDGE PKWY TOMBALL, TX 77377 | VISION SERVICE PLAN | $1K | $0 | $1K | 1.36% |
| GARY K GREENSAGE, LLC3 | 18230 N ELDRIDGE PKWY TOMBALL, TX 77377 | VISION SERVICE PLAN | $1K | $0 | $1K | 1.36% |
| GARY K GREENSAGE, LLC3 Filed as: GARY K GREENSAGE | 18230 N ELDRIDGE PKWY TOMBALL, TX 77377 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $3K | $0 | $3K | 15.00% |
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 | 884 | 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) | 886 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 1,482 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 620 | $267K |
| Vision | VISION SERVICE PLAN | 531 | $82K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 781 | $227K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 882 | $176K |
| Stop-loss / reinsurancereinsurance | CIGNA | 1,482 | $1.2M |
| Other(3 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 827 | $246K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,482 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.