| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE | 5806 SUMMERFIELD DR. TEXARKANA, TX 75503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $33K | $7K | $40K | 19.71% |
| 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 | — | $2K | $2K | 1.21% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE | 5806 SUMMERFIELD DR. TEXARKANA, TX 75503 | BLUE CROSS BLUE SHIELD OF TEXAS | $15K | $1K | $16K | 10.19% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE | 5806 SUMMERFIELD DR. TEXARKANA, TX 75503 | VISION SERVICE PLAN | $4K | — | $4K | 10.00% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD. STE. 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $178 | — | $178 | 0.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF TEXAS EIN 36-1236610 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 1001 EAST LOOKOUT DR. RICHARDSON, TX 75082 | $164K |
| DAINES INSURANCE EIN 75-2966965 INSURANCE BROKER | Insurance agents and brokers Service code 22 | 5806 SUMMERFIELD DR. TEXARKANA, TX 75503 | $18K |
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 | 358 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 358 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS BLUE SHIELD OF TEXAS | 412 | $161K |
| Vision | VISION SERVICE PLAN | 244 | $36K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 358 | $205K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 358 | $205K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF TEXAS | 316 | $578K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 358 | $205K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 412 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.