| 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 | — | $29K | $29K | 5.25% |
| AUDREY F. AYERS3 Filed as: AUDREY FAYE AYERS | 403 WILLOW POINTE DR. LEAGUE CITY, TX 77573 | KAISER FOUNDATION HEALTH PLAN, INC. | $15K | — | $15K | 5.30% |
| AUDREY F. AYERS3 | 18333 EGRET BAY VLVD, STE 640 HOUSTON, TX 77058 | FIRST CONTINENTAL LIFE AND ACCIDENT INSURANCE CO. | $18K | — | $18K | 14.77% |
| AUDREY F. AYERS3 | 403 WILLOW PINTE DR. LEAGUE CITY, TX 77573 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 15.34% |
| AUDRY F. AYERS3 | 403 WILLOW POINTE DR. LEAGUE CITY, TX 77573 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 15.33% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 Filed as: PROFESSIONAL ENROLLMENT CONCEPTS, I | 6200 SAVOY STE 345 HOUSTON, TX 77036 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $875 | $10K | 22.23% |
| AYERS, AUDREY, FAYE3 | 403 WILLOW POINTE DR LEAGUE CITY, TX 77573 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 10.27% |
| INGLIS, BRYAN, JAMES3 | 6122 GARDEN LAKES LANE SUGARLAND, TX 77479 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $886 | — | $886 | 2.04% |
| BAKER, BRENNAN, DWAINE3 Filed as: BAKER, ALLEN, | 6200 SAVOY STE 345 HOUSTON, TX 77036 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $446 | — | $446 | 1.03% |
| BAKER, BRENNAN, DWAINE3 | 6200 SAVORY SUITE 345 HOUSTON, TX 77036 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $296 | — | $296 | 0.68% |
| STATION & AYERS INS PLANNING SERVIC3 | 18333 EGRET BAY BOULEVARD, SUITE 640 HOUSTON, TX 77058 | EYEMED VISION | $4K | — | $4K | 9.82% |
| AYERS, AUDREY, FAYE3 Filed as: AYERS, AUDREY F | 403 WILLOW POINTE DR LEAGUE CITY, TX 77573 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.01% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 Filed as: PROFESSIONAL ENROLLMENT CONCEPTS, I | 6200 SAVOY STE 345 HOUSTON, TX 77036 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $197 | $3K | 22.33% |
| AYERS, AUDREY, FAYE3 | 403 WILLOW POINTE DR LEAGUE CITY, TX 77573 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 10.57% |
| INGLIS, BRYAN, JAMES3 | 6122 GARDEN LAKES LANE SUGARLAND, TX 77479 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $269 | — | $269 | 2.11% |
| BAKER, BRENNAN, DWAINE3 Filed as: BAKER, ALLEN, | 6200 SAVOY STE 345 HOUSTON, TX 77036 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $135 | — | $135 | 1.06% |
| BAKER, BRENNAN, DWAINE3 | 6200 SAVORY SUITE 345 HOUSTON, TX 77036 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $89 | — | $89 | 0.70% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AUDREY F. AYERS SERVICE PROVIDER | Claims processing Service code 12 | 403 WILLOW POINTE DR. LEAGUE CITY, TX 77573 | $111K |
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 SERVICE PROVIDER | Claims processing Service code 12 | — | $29K |
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 | 419 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 419 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 473 | $3.1M |
| Vision | EYEMED VISION | 366 | $40K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 386 | $118K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 137 | $80K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 386 | $46K |
| Other(4 contracts, 2 carriers) | FIRST CONTINENTAL LIFE AND ACCIDENT INSURANCE CO. | 386 | $271K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 473 | — |
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.
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.