| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AUDRY F. AYERS3 | 403 WILLOW POINT DRIVE LEAGUE CITY, TX 77573 | CIGNA HEALTH AND LIFE INSURANCE COMAPNY | — | $77K | $77K | 5.62% |
| AUDRY F. AYERS3 | 211 DRIFTWOOD LEAGUE CITY, TX 77573 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 10.00% |
| AUDREY F. AYERS3 Filed as: AUDREY F AYERS | 403 WILLOW POINTE DR. LEAGUE CITY, TX 77573 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 15.00% |
| AUDRY F. AYERS3 | 403 WILLOW POINTE DR. LEAGUE CITY, TX 77573 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 15.00% |
| STATION & AYERS INS PLANNING SERVIC3 | PO BOX 265 LEAGUE CITY, TX 77574 | EYEMED VISION | $3K | — | $3K | 13.28% |
| AUDREY F. AYERS3 | 403 WILLOW PINTE DR. LEAGUE CITY, TX 77573 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.00% |
| AUDRY F. AYERS3 | 18333 EGRET BAY BLVD, STE 640 HOUSTON, TX 77574 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 21.81% |
| EDWARD E. STATION3 Filed as: EDWARD E STATION | PO BOX 265 LEAGUE CITY, TX 77574 | HUMANA INSURANCE COMPANY | $690 | — | $690 | 9.25% |
| BAFFIN BAY MARKETING GROUP, LLC3 | PO BOX 161690 AUSTIN, TX 78716 | HUMANA INSURANCE COMPANY | $519 | — | $519 | 6.96% |
| ASPEN REINSURANCE GROUP, INC.3 | 900 S. MCCARRAN BLVD #1010 RENO, NV 89509 | HUMANA INSURANCE COMPANY | $75 | — | $75 | 1.01% |
| EDWARD E. STATION3 | PO BOX 265 LEAGUE CITY, TX 77574 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $661 | — | $661 | 12.00% |
| BAFFIN BAY MARKETING GROUP, LLC3 | PO BOX 161690 AUSTIN, TX 78716 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $220 | — | $220 | 3.99% |
| ASPEN REINSURANCE GROUP, INC.3 | 1120 NASA PKWAY STE 460900 S. MCCAR RENO, NV 89509 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $55 | — | $55 | 1.00% |
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 | 338 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 338 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMAPNY | 338 | $1.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 199 | $95K |
| Vision | EYEMED VISION | 225 | $21K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 275 | $81K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 64 | $17K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 275 | $38K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 275 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 338 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.