| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AUDREY F. AYERS3 Filed as: AUDREY F AYERS | 403 WILLOW POINTE DR LEAGUE CITY, TX 77573 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $122K | $122K | 5.25% |
| AUDREY F. AYERS3 Filed as: AUDREY F AYERS | 18333 EGRET BAY VLVD, STE 640 HOUSTON, TX 77058 | FIRST CONTINENTAL LIFE AND ACCIDENT INSURANCE CO. | $13K | — | $13K | 11.99% |
| AUDREY F. AYERS3 | 403 WILLOW PINTE DR. LEAGUE CITY, TX 77573 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 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 | 18333 EGRET BAY BOULEVARD, SUITE 640 HOUSTON, TX 77058 | EYEMED VISION | $3K | — | $3K | 8.61% |
| AUDREY F. AYERS3 | 18333 EGRET BAY BLVD, STE 640 HOUSTON, TX 77058 | HUMANA INSURANCE COMPANY | $731 | — | $731 | 24.03% |
| BAFFIN BAY MARKETING GROUP, LLC3 | PO BOX 161690 AUSTIN, TX 78716 | HUMANA INSURANCE COMPANY | $207 | — | $207 | 6.80% |
| ASPEN REINSURANCE GROUP, INC.3 | 900 S. MCCARRAN BLVD, STE 1010 RENO, NV 89509 | HUMANA INSURANCE COMPANY | $30 | — | $30 | 0.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 SERVICE PROVIDER | Claims processing Service code 12 | — | $0 |
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 COMPANY | 298 | $2.3M |
| Vision | EYEMED VISION | 303 | $30K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 332 | $88K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 121 | $48K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 332 | $40K |
| Other(4 contracts, 3 carriers) | FIRST CONTINENTAL LIFE AND ACCIDENT INSURANCE CO. | 332 | $200K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.