| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAINES INSURANCE & FIN SERVICES LLP3 | 5806 SUMMERFIELD DRIVE TEXARKANA, TX 75503 | USABLE LIFE | $68K | — | $68K | 17.58% |
| KAYLA PROPPS3 | 130 HEMPSTEAD 353 NASHVILLE, AR 71852 | USABLE LIFE | $11K | — | $11K | 2.90% |
| JERRY DUNCAN3 | C/O ARKANSAS BLUE CROSS BLUE SHIELD 516 EAST MILLSAP ROAD, SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $2K | — | $2K | 0.45% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $519 | — | $519 | 0.13% |
| EDDIE J DAINES3 | 5806 SUMMERFIELD DRIVE TEXARKANA, TX 755034305 | TRANSAMERICA LIFE INSURANCE COMPANY | $14K | — | $14K | 15.64% |
| CHAD PANEPINTO3 | 5740 MARTEL AVE, SUITE B12 DALLAS, TX 75206 | TRANSAMERICA LIFE INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| DAINES INSURANCE & FIN SERVICES LLP3 | 5806 SUMMERFIELD DRIVE TEXARKANA, TX 755034305 | VISION SERVICE PLAN | $5K | — | $5K | 9.93% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC DBA EASECENTRAL | 1980 FESTIVAL PLAZA DR STE 810 LAS VEGAS, NV 891352958 | VISION SERVICE PLAN | $514 | — | $514 | 1.13% |
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 | 704 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 706 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 304 | $45K |
| Life insurance | USABLE LIFE | 704 | $387K |
| Short-term disability | USABLE LIFE | 704 | $387K |
| Long-term disability | USABLE LIFE | 704 | $387K |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 704 | $476K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 704 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.