| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARY K GREENSAGE, LLC3 | 18230 N ELDRIDGE PKWY TOMBALL, TX 77377 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $2K | $12K | 3.04% |
| DENNIS FENNELL3 Filed as: DENNIS R GREENSAGE | 18230 N ELDRIDGE PKWY TOMBALL, TX 77377 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 2.50% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 KIRKWOOD RD, STE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 2.36% |
| DENNIS FENNELL3 Filed as: DENNIS R GREENSAGE LLC | 18230 N ELDRIDGE PKWY TOMBALL, TX 77377 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | $0 | $20K | 7.46% |
| GARY K GREENSAGE, LLC3 Filed as: GARY K GREENSAGE LLC | 18230 N ELDRIDGE PKWY TOMBALL, TX 77377 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | $0 | $20K | 7.46% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD, STE 300 KIRKWOOD, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$26 | $5K | $5K | 1.91% |
| DENNIS FENNELL3 Filed as: DENNIS R GREENSAGE, LLC | 18230 N ELDRIDGE PKWY TOMBALL, TX 77377 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | $0 | $15K | 7.47% |
| GARY K GREENSAGE, LLC3 | 18230 N ELDRIDGE PKWY TOMBALL, TX 77377 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | $0 | $15K | 7.47% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD, STE 300 KIRKWOOD, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $4K | $4K | 2.01% |
| DENNIS FENNELL3 Filed as: DENNIS R GREENSAGE, LLC | 18230 N ELDRIDGE PKWY TOMBALL, TX 77377 | VISION SERVICE PLAN | $1K | $0 | $1K | 1.47% |
| GARY K GREENSAGE, LLC3 | 18230 N ELDRIDGE PKWY TOMBALL, TX 77377 | VISION SERVICE PLAN | $1K | $0 | $1K | 1.47% |
| 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% |
| DENNIS FENNELL3 Filed as: DENNIS R GREENSAGE LLC | 18230 N ELDRIDGE PKWY TOMBALL, TX 77377 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 7.46% |
| GARY K GREENSAGE, LLC3 Filed as: GARY K GREENSAGE LLC | 18230 N ELDRIDGE PKWY TOMBALL, TX 77377 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 7.46% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 KIRKWOOD RD, STE 300 KIRKWOOD, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$109 | $406 | $297 | 1.99% |
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 | 1,145 | 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) | 1,147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 1,593 | $1.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 723 | $389K |
| Vision | VISION SERVICE PLAN | 603 | $79K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,005 | $263K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,005 | $203K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF TEXAS | 1,593 | $1.6M |
| Other(3 contracts, 2 carriers) | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | 1,005 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,593 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.