| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE & FINANCIAL SERVIC | 5806 SUMMERFIELD ROAD TEXARKANA, TX 75503 | DELTA DENTAL PLAN OF ARKANSAS | $64K | — | $64K | 9.98% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INS & FINANCIAL SERVICES LLP | 5806 SUMMERFIELD DRIVE TEXARKANA, TX 75503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $72K | $27K | $99K | 20.63% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $6K | $6K | 1.17% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INS & FINANCIAL SERVICES LLP | 5806 SUMMERFIELD DRIVE TEXARKANA, TX 75503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $56K | $22K | $78K | 20.84% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 1.22% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INS & FINANCIAL SERVICES LLP | 5806 SUMMERFIELD DRIVE TEXARKANA, TX 75503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $37K | $14K | $51K | 20.85% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 1.22% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INS & FINANCIAL SERVICES LLP | 5806 SUMMERFIELD DRIVE TEXARKANA, TX 75503 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $39K | — | $39K | 24.42% |
| BRIAN EDWARD JUND3 | NATIONAL BENEFIT PARTNERS 23282 MILL CREEK DRIVE SUITE 390 LAGUNA HILLS, CA 92653 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 2.83% |
| USB HEALTH LLC3 | 4550 HWY 360 SUITE 190 GRAPEVINE, TX 76051 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 1.80% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE & BENEFIT SERVICE | 5806 SUMMERFIELD DRIVE TEXARKANA, TX 75503 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $10K | — | $10K | 10.00% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INS & FINANCIAL SERVICES LLP | 5806 SUMMERFIELD DRIVE TEXARKANA, TX 75503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 22.03% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $495 | $495 | 1.46% |
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 | 800 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 806 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 1,870 | $10.1M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 1,865 | $643K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 675 | $103K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,375 | $515K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 528 | $372K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 397 | $243K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 1,870 | $10.1M |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,375 | $675K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,870 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.