| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PBIRX, INC.3 Filed as: PBIRX, INC | 612 WHEELERS FARMS RD MILFORD, CT 06461 | BLUECROSS BLUESHIELD OF TEXAS | $30K | $10K | $40K | 1.77% |
| GARY K GREENSAGE, LLC3 | 18230 N ELDRIDGE PKWY TOMBALL, TX 77377 | BLUECROSS BLUESHIELD OF TEXAS | $0 | $5K | $5K | 0.20% |
| GARY K GREENSAGE, LLC3 | 18230 N ELDRIDGE PKWY TOMBALL, TX 77377 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $30K | $0 | $30K | 6.00% |
| DENNIS FENNELL3 Filed as: DENNIS R GREENSAGE | 18230 N ELDRIDGE PKWY TOMBALL, TX 77377 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $30K | $0 | $30K | 6.00% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 KIRKWOOD RD, STE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $25K | $0 | $25K | 5.00% |
| DENNIS FENNELL3 Filed as: DENNIS R GREENSAGE LLC | 18230 N ELDRIDGE PKWY TOMBALL, TX 77377 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | $0 | $19K | 6.38% |
| GARY K GREENSAGE, LLC3 Filed as: GARY K GREENSAGE LLC | 18230 N ELDRIDGE PKWY TOMBALL, TX 77377 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | $0 | $19K | 6.38% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD, STE 300 KIRKWOOD, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $4K | $13K | 4.25% |
| DENNIS FENNELL3 Filed as: DENNIS R GREENSAGE, LLC | 18230 N ELDRIDGE PKWY TOMBALL, TX 77377 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | $0 | $17K | 6.33% |
| GARY K GREENSAGE, LLC3 | 18230 N ELDRIDGE PKWY TOMBALL, TX 77377 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | $0 | $17K | 6.33% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD, STE 300 KIRKWOOD, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $4K | $11K | 4.22% |
| DENNIS FENNELL3 Filed as: DENNIS R GREENSAGE, LLC | 18230 N ELDRIDGE PKWY TOMBALL, TX 77377 | VISION SERVICE PLAN | $1K | $0 | $1K | 1.38% |
| GARY K GREENSAGE, LLC3 | 18230 N ELDRIDGE PKWY TOMBALL, TX 77377 | VISION SERVICE PLAN | $1K | $0 | $1K | 1.38% |
| 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 | 14.99% |
| DENNIS FENNELL3 Filed as: DENNIS R GREENSAGE LLC | 18230 N ELDRIDGE PKWY TOMBALL, TX 77377 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 6.34% |
| 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 | 6.34% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 KIRKWOOD RD, STE 300 KIRKWOOD, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$1K | $2K | $774 | 4.23% |
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 | 1,118 | 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) | 1,120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 854 | $495K |
| Vision | VISION SERVICE PLAN | 739 | $92K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,118 | $299K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,117 | $262K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF TEXAS | 1,771 | $2.3M |
| Other(3 contracts, 2 carriers) | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | 1,118 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,771 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.