| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAINES INSURANCE & FIN SERVICES LLP3 | 5806 SUMMERFIELD DRIVE TEXARKANA, TX 75503 | USABLE LIFE | $67K | — | $67K | 17.22% |
| KAYLA PROPPS3 | 130 HEMPSTEAD 353 NASHVILLE, AR 71852 | USABLE LIFE | $10K | — | $10K | 2.51% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $1K | — | $1K | 0.28% |
| JERRY DUNCAN3 | C/O ARKANSAS BLUE CROSS BLUE SHIELD 516 EAST MILLSAP ROAD, SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $881 | — | $881 | 0.23% |
| EDDIE J DAINES3 | 5806 SUMMERFIELD DRIVE TEXARKANA, TX 755034305 | TRANSAMERICA LIFE INSURANCE COMPANY | $7K | — | $7K | 9.74% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INS & FINANCIAL SERVICES | 5806 SUMMERFIELD DR TEXARKANA, TX 75503 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.84% |
| DAINES INSURANCE & FIN SERVICES LLP3 | 5806 SUMMERFIELD DRIVE TEXARKANA, TX 755034305 | VISION SERVICE PLAN | $5K | — | $5K | — |
| ENROLLEASE3 Filed as: ENROLLEASE, INC DBA EASECENTRAL | 1980 FESTIVAL PLAZA DR STE 810 LAS VEGAS, NV 891352958 | VISION SERVICE PLAN | $55 | — | $55 | — |
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 | 406 | 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) | 406 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 708 | $4.8M |
| Vision | VISION SERVICE PLAN | 277 | $0 |
| Life insurance | USABLE LIFE | 645 | $390K |
| Short-term disability | USABLE LIFE | 645 | $390K |
| Long-term disability | USABLE LIFE | 645 | $390K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 708 | $4.8M |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 645 | $461K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 708 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.