| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE & FINANCIAL SERV | 5806 SUMMERFIELD DR. TEXARKANA, TX 75503 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $3K | $3K | 0.13% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE & FIN SRVCS, LLP | 5806 SUMMERFIELD DR. TEXARKANA, TX 75503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $82K | $25K | $108K | 26.21% |
| NFP INSURANCE SERVICES INC3 | 1250 S. CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 1.29% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE & FIN SRVCS LLP | 5806 SUMMERFIELD DR. TEXARKANA, TX 75503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 30.35% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE & FIN SRVCS LLP | 5806 SUMMERFIELD DR. TEXARKANA, TX 75503 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 9.94% |
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 | 299 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 299 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 565 | $2.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 565 | $2.6M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 565 | $2.6M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 299 | $411K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 299 | $411K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 299 | $411K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 299 | $444K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 565 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.