| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INS & FINANCIAL SERVICE | 5806 SUMMERFIELD DR. TEXARKANA, TX 75503 | QCA HEALTH PLAN | $29K | — | $29K | 5.14% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INS & FINANCIAL SERVICE | 5806 SUMMERFIELD DR. TEXARKANA, TX 75503 | GUARDIAN | $7K | — | $7K | 10.00% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INS & FINANCIAL SERVICE | 5806 SUMMERFIELD DR. TEXARKANA, TX 75503 | THE HARTFORD | $6K | $567 | $7K | 17.31% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INS & FINANCIAL SERVICE | 5806 SUMMERFIELD DR. TEXARKANA, TX 75503 | ALLSTATE | $923 | — | $923 | 7.96% |
| BRIAN EDWARD JUND3 | 23282 MILL CREEK DR.,STE.390 LAGUNA HILLS, CA 92653 | ALLSTATE | $35 | — | $35 | 0.30% |
| USB HEALTH LLC3 | 4550 HWY 360, STE 190 GRAPEVINE, TX 76051 | ALLSTATE | $30 | — | $30 | 0.26% |
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 | 123 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | QCA HEALTH PLAN | 159 | $585K |
| Dental | GUARDIAN | 123 | $70K |
| Vision | GUARDIAN | 123 | $70K |
| Life insurance(2 contracts, 2 carriers) | THE HARTFORD | 84 | $50K |
| Short-term disability | THE HARTFORD | 84 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.