| 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 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $3K | $14K | 25.57% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 S. CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $614 | $614 | 1.16% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INS. & FINANCIAL SERVICE LLP | 5806 SUMMERFIELD DR TEXARKANA, TX 75503 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $634 | — | $634 | 5.70% |
| USB HEALTH LLC3 | 4550 HWY 360 STE 190 GRAPEVINE, TX 76051 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $52 | — | $52 | 0.47% |
| NATIONAL BENEFIT PARTNERS3 | 23282 MILL CREEK DR. STE 390 LAGUNA HILLS, CA 92653 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $35 | — | $35 | 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 | 118 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 117 | $374K |
| Dental | ARKANSAS BLUE CROSS BLUE SHIELD | 127 | $41K |
| Vision | ARKANSAS BLUE CROSS BLUE SHIELD | 115 | $11K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $64K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 16 | $11K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $53K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 117 | $374K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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.