| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE & FINANCIAL SVS LL | 5806 SUMMERFIELD DR TEXARKANA, TX 75503 | QCA HEALTH PLAN | $19K | — | $19K | 3.78% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INS &FINANCIAL SERVICE | 5806 SUMMERFIELD DR TEXARKANA, TX 75503 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 10.00% |
| OPES ONE ADVISORS LLC3 | — | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2 | — | $2 | 0.00% |
| ERIK G LILJENWALL3 | — | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2 | — | $2 | 0.00% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE AND FINANCIAL SVS | 5806 SUMMERFIELD DR TEXARKANA, TX 75503 | THE HARTFORD | $2K | — | $2K | 16.08% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE & FINANCIAL SVS LL | 5806 SUMMERFIELD DR. TEXARKANA, TX 75503 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $815 | — | $815 | 7.55% |
| BRIAN EDWARD JUND3 | 23282 MILL CREEK DR STE 390 LAGUNA HILLS, CA 92653 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $32 | — | $32 | 0.30% |
| USB HEALTH LLC3 | 4550 HWY 360 STE 190 GRAPEVINE, TX 76051 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $30 | — | $30 | 0.28% |
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 | 101 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | QCA HEALTH PLAN | 131 | $507K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 101 | $74K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 101 | $74K |
| Life insurance(2 contracts, 2 carriers) | THE HARTFORD | 84 | $22K |
| Short-term disability(2 contracts, 2 carriers) | THE HARTFORD | 84 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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."
No prospect flags tripped on this filing.