| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INS. & FINANCIAL SERVICE LLP | 5806 SUMMERFIELD DR TEXARKANA, TX 75503 | QCA HEALTH PLAN | $16K | — | $16K | 3.76% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INS. & FINANCIAL SERVICE LLP | 5806 SUMMERFIELD DR TEXARKANA, TX 75503 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 10.00% |
| OPES ONE ADVISORS LLC3 | — | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9 | — | $9 | 0.02% |
| ERIK G LILJENWALL3 | — | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9 | — | $9 | 0.02% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INS. & FINANCIAL SERVICE LLP | 5806 SUMMERFIELD DR TEXARKANA, TX 75503 | MUTUAL OF OMAHA | $9K | $958 | $10K | 22.04% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INS. & FINANCIAL SERVICE LLP | 5806 SUMMERFIELD DR TEXARKANA, TX 75503 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $977 | — | $977 | 8.01% |
| USB HEALTH LLC3 | 4550 HWY 360 STE 190 GRAPEVINE, TX 76051 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $43 | — | $43 | 0.35% |
| BRIAN EDWARD JUND3 | 23282MILL CREEK DR. STE 390 LAGUNA HILLS, CA 92653 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $38 | — | $38 | 0.31% |
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 | 112 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | QCA HEALTH PLAN | 120 | $434K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 97 | $56K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 97 | $56K |
| Life insurance(2 contracts, 2 carriers) | MUTUAL OF OMAHA | 112 | $59K |
| Short-term disability(2 contracts, 2 carriers) | MUTUAL OF OMAHA | 112 | $59K |
| Long-term disability | MUTUAL OF OMAHA | 112 | $47K |
| Other | MUTUAL OF OMAHA | 112 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
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.