| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AUDREY F. AYERS3 Filed as: AUDREY FAYE AYERS | — | BLUECROSS BLUESHIELD OF TEXAS | $140K | — | $140K | 4.79% |
| AUDREY F. AYERS3 Filed as: AUDREY FAYE AYERS | 403 WILLOW POINTE DR. LEAGUE CITY, TX 77573 | KAISER FOUNDATION HEALTH PLAN, INC. | $18K | — | $18K | 4.54% |
| AUDREY F. AYERS3 | 18333 EGRET BAY VLVD, STE 640 HOUSTON, TX 77058 | FIRST CONTINENTAL LIFE AND ACCIDENT INSURANCE CO. | $26K | — | $26K | 14.61% |
| AUDREY F. AYERS3 | 403 WILLOW PINTE DR. LEAGUE CITY, TX 77573 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 13.13% |
| AUDRY F. AYERS3 | 403 WILLOW POINTE DR. LEAGUE CITY, TX 77573 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 13.46% |
| STATION & AYERS INS PLANNING SERVIC3 | 18333 EGRET BAY BOULEVARD, SUITE 640 HOUSTON, TX 77058 | EYEMED VISION | $5K | — | $5K | 9.81% |
| AUDREY F. AYERS3 Filed as: AUDREY F AYERS | 18333 EGRET BAY BLVD STE 640 HOUSTON, TX 77058 | MANHATTANLIFE ASSURANCE CO OF AMERICA | $3K | — | $3K | 23.52% |
| BAFFIN BAY MARKETING GROUP, LLC3 | PO BOX 16190 AUSTIN, TX 78716 | MANHATTANLIFE ASSURANCE CO OF AMERICA | $831 | — | $831 | 6.78% |
| ASPEN REINSURANCE GROUP, INC.3 Filed as: ASPEN REINSURANCE GROUP, INC | 900 S MCCARRAN BLVD STE 1010 RENO, NV 89509 | MANHATTANLIFE ASSURANCE CO OF AMERICA | $123 | — | $123 | 1.00% |
| AUDREY F. AYERS3 Filed as: AUDREY F AYERS | 18333 EGRET BAY BLVD STE 640 HOUSTON, TX 77058 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH PA | $694 | — | $694 | 11.99% |
| BAFFIN BAY MARKETING GROUP, LLC3 | PO BOX 161690 AUSTIN, TX 78716 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH PA | $231 | — | $231 | 3.99% |
| ASPEN REINSURANCE GROUP, INC.3 Filed as: ASPEN REINSURANCE GROUP, INC | 900 S MCCARRAN BLVD STE 1010 RENO, NV 89509 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH PA | $58 | — | $58 | 1.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AUBREY F. AYERS BROKER | Other commissions Service code 55 | 403 WILLOW POINTE DR LEAGUE CITY, TX 77573 | $111K |
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 | 464 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 464 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 658 | $5.6M |
| Vision(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 658 | $3.0M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 454 | $124K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 454 | $51K |
| Other(5 contracts, 4 carriers) | FIRST CONTINENTAL LIFE AND ACCIDENT INSURANCE CO. | 454 | $320K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 658 | — |
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.