| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INS & FINANCIAL SRVCS, LLP | 5806 SUMMERFIELD DRIVE TEXARKANA, TX 75503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $28K | — | $28K | 14.98% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INS & FINANCIAL SRVCS, LLP | 5806 SUMMERFIELD DRIVE TEXARKANA, TX 75503 | AMERICAN HERITAGE LIFE | $6K | — | $6K | 22.81% |
| USB HEALTH LLC3 | 4550 HWY 360 SUITE 190 GRAPEVINE, TX 76051 | AMERICAN HERITAGE LIFE | $578 | — | $578 | 2.33% |
| DANIEL E JUND3 Filed as: DANIEL E. JUND | 23282 MILL CREEK DRIVE SUITE 390 LAGUNA HILLS, CA 92653 | AMERICAN HERITAGE LIFE | $505 | — | $505 | 2.03% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INS & FINANCIAL SRVCS, LLP | 5806 SUMMERFIELD DRIVE TEXARKANA, TX 75503 | NATIONAL GUARDIAN LIFE | $2K | — | $2K | 11.80% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH CARE SERVICE CORPORATION EIN 36-1236610 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | 1001 E. LOOKOUT RICHARDSON, TX 75082 | $84K |
| DAINES INSURANCE AND FIN SRVCS, LLP EIN 75-2966965 INSURANCE BROKER | Custodial (securities) Service code 19 | 5806 SUMMERFIELD DRIVE TEXARKANA, TX 75503 | $16K |
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 | 232 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 232 | $190K |
| Vision | NATIONAL GUARDIAN LIFE | 189 | $18K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 232 | $190K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 232 | $190K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 232 | $190K |
| Stop-loss / reinsurancereinsurance | BCS INSURANCE COMPANY | 173 | $189K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 232 | — |
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.