Need advise ... (with 690)

I think your message shows you have a pretty good feel for where you stand. Given your demographic, 690 is pretty low. I think you can rule out Harvard entirely. Your own assessment that your work record is not that impressive probably puts you out of contention for Wharton & Chicago. Kellogg loves extracurricular activities, especially the charitable kind, and your own report is that you are so-so in this area; chances are extremely slim here.

So that leaves Columbia and Tepper. Columbia has a record of favoring high GMAT scores, and again, yours is low given your demographic and this level of school. I think you might have a shot a Tepper, based on the limited info you've provided, but it's hard to say how good your chances actually are.

You've also hit on another major issue. With 10 years of work experience, you are at the very high end of what schools will consider for age and experience. Older admitted students for the most part either have other advanced degrees (MD, JD) or spent time in the military. At this stage of your career, most places will try to push you to an executive program.

I think there's something else you might consider. You listed 5 ultra-elite schools and 1 near-elite. You left out elite schools altogether. I think your chances with the ultra-elites are almost zero, but you might have a shot at some of the elites.