| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 1001 SOUTH MONACO, SUITE 310 DENVER, CO 80224 | BLUE CROSS BLUE SHIELD OF TEXAS | $46K | $0 | $46K | 3.72% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INS. AND FIN. SERVICES LLP | UNKNOWN TEXARKANA, TX 75503 | BLUE CROSS BLUE SHIELD OF TEXAS | $16K | $3K | $19K | 1.49% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | $21K | $314 | $21K | 15.19% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INS. AND FIN. SERVICES LLP | 5806 SUMMERFIELD DRIVE TEXARKANA, TX 75503 | HARTFORD LIFE AND ACCIDENT | $6K | $0 | $6K | 4.63% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $1K | $7K | 18.06% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INS. AND FIN. SERVICES LLP | 5806 SUMMERFIELD DRIVE TEXARKANA, TX 75503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.09% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INS. AND FIN. SERVICES LLP | 5806 SUMMERFIELD DRIVE TEXARKANA, TX 75503 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | $0 | $6K | 18.23% |
| WILLARD NIEDERBRACH3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $620 | $0 | $620 | 2.01% |
| BRIAN EDWARD JUND3 | 23282 MILL CREEK DRIVE SUITE 390 LAGUNA HILLS, CA 92653 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $606 | $0 | $606 | 1.97% |
| USB HEALTH LLC3 | 99 WOOD AVENUE SOUTH, SUITE 501 ISELIN, NJ 08830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $561 | $0 | $561 | 1.82% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $56 | $0 | $56 | 0.18% |
| DAISY PATTON3 | 925 NORTH BURLESON BOULEVAD BURLESON, TX 76028 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | $0 | $15 | 0.05% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.51% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INS. AND FINANCIAL | 5806 SUMMERFIELD DRIVE TEXARKANA, TX 75503 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $519 | $0 | $519 | 2.49% |
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 | 228 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 321 | $1.2M |
| Dental | BLUE CROSS BLUE SHIELD OF TEXAS | 321 | $1.2M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 161 | $21K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 269 | $39K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 125 | $139K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 125 | $139K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 321 | $1.2M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 269 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 321 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.