| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOME OFFICE TPA PAYS COMMISSION3 Filed as: HOME OFFICE TPA | 475 FALLBROOK BLVD LINCOLN, NE 68521 | RELIANCE STANDARD | $20K | — | $20K | 15.00% |
| RISK SERVICES OF LOUISIANA INC3 Filed as: RISK SERVICES OF LOUISIANA, INC. | 2190 NORTH LOOP WEST STE. 309 HOUSTON, TX 77018 | RELIANCE STANDARD | $9K | — | $9K | 11.15% |
| GIS BENEFITS INC5 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE ST. MORRIS, IL 60450 | RELIANCE STANDARD | $4K | $1K | $5K | 6.69% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE | 5806 SUMMERFIELD DR. TEXARKANA, TX 75503 | RELIANCE STANDARD | $3K | — | $3K | 3.85% |
| RISK SERVICES OF LOUISIANA INC3 Filed as: RISK SERVICES OF LOUISIANA, INC. | 400 TEXAS ST. SUITE 100 SHREVEPORT, LA 711013549 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 7.52% |
| GIS BENEFITS INC5 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE ST. MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $634 | $2K | 6.42% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 Filed as: BOON-CHAPMAN BENEFIT ADMINISTRATORS | PO BOX 9301 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 4.59% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE | 5806 SUMMERFIELD DR. TEXARKANA, TX 75503 | METROPOLITAN LIFE INSURANCE COMPANY | $573 | — | $573 | 1.66% |
| RISK SERVICES OF LOUISIANA INC3 Filed as: RISK SERVICES OF LOUISIANA, INC. | 2190 NORTH LOOP WEST STE. 309 HOUSTON, TX 77018 | RELIANCE STANDARD | $4K | — | $4K | 11.25% |
| GIS BENEFITS INC5 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE ST. MORRIS, IL 60450 | RELIANCE STANDARD | $2K | $550 | $2K | 6.77% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE | 5806 SUMMERFIELD DR. TEXARKANA, TX 75503 | RELIANCE STANDARD | $1K | — | $1K | 3.75% |
| RISK SERVICES OF LOUISIANA INC3 Filed as: RISK SERVICES OF LOUISIANA, INC. | 2190 NORTH LOOP WEST STE. 309 HOUSTON, TX 77018 | RELIANCE STANDARD | $3K | — | $3K | 11.23% |
| GIS BENEFITS INC5 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE ST. MORRIS, IL 60450 | RELIANCE STANDARD | $2K | $584 | $2K | 6.92% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE | 5806 SUMMERFIELD DR. TEXARKANA, TX 75503 | RELIANCE STANDARD | $1K | — | $1K | 3.77% |
| RISK SERVICES OF LOUISIANA INC3 Filed as: RISK SERVICES OF LOUISIANA, INC. | 2190 NORTH LOOP WEST STE. 309 HOUSTON, TX 77018 | RELIANCE STANDARD | $3K | — | $3K | 14.91% |
| GIS BENEFITS INC5 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE MORRIS, IL 60450 | RELIANCE STANDARD | $972 | $386 | $1K | 6.99% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE | 5806 SUMMERFIELD DR. TEXARKANA, TX 75503 | RELIANCE STANDARD | $990 | — | $990 | 5.09% |
| RISK SERVICES OF LOUISIANA INC3 Filed as: RISK SERVICES OF LOUISIANA, INC. | 2190 NORTH LOOP WEST STE. 309 HOUSTON, TX 77018 | RELIANCE STANDARD | $1K | — | $1K | 15.16% |
| GIS BENEFITS INC5 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE ST. MORRIS, IL 60450 | RELIANCE STANDARD | $492 | $211 | $703 | 7.15% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE | 5806 SUMMERFIELD DR. TEXARKANA, TX 75503 | RELIANCE STANDARD | $477 | — | $477 | 4.85% |
| RISK SERVICES OF LOUISIANA INC3 Filed as: RISK SERVICES OF LOUISIANA, INC. | 2190 NORTH LOOP WEST STE. 309 HOUSTON, TX 77018 | RELIANCE STANDARD | $1K | — | $1K | 12.59% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 Filed as: BOON CHAPMAN | 9401 AMBERGLEN BLVD. BUILDING 1, STE. 100 AUSTIN, TX 78729 | RELIANCE STANDARD | $448 | — | $448 | 5.00% |
| GIS BENEFITS INC5 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE ST. MORRIS, IL 60450 | RELIANCE STANDARD | $448 | — | $448 | 5.00% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE | 5806 SUMMERFIELD DR. TEXARKANA, TX 75503 | RELIANCE STANDARD | $216 | — | $216 | 2.41% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 CLAIMS PROCESSING | Claims processing Service code 12 | 300 CORPORATE PKWY AMHERST, NY 14226 | $172K |
| APTA HEALTH, INC. CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 11755 E PEAKVIEW AVE. STE. 250 ENGLEWOOD, CO 80111 | $92K |
| RISK SERVICES OF LOUISIANA, INC. INSURANCE BROKER | Insurance agents and brokers Service code 22 | 400 TEXAS ST. SUITE 100 SHREVEPORT, LA 711013549 | $14K |
| DAINES INSURANCE EIN 75-2966965 INSURANCE BROKER | Insurance agents and brokers Service code 22 | 5806 SUMMERFIELD DR. TEXARKANA, TX 75503 | $3K |
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 | 333 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 333 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RELIANCE STANDARD | 585 | $137K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 386 | $35K |
| Life insurance | RELIANCE STANDARD | 333 | $79K |
| Short-term disability | RELIANCE STANDARD | 98 | $31K |
| Long-term disability | RELIANCE STANDARD | 334 | $30K |
| Stop-loss / reinsurancereinsurance | AMERICAN FIDELITY ASSURANCE COMPANY | 307 | $391K |
| Other(3 contracts) | RELIANCE STANDARD | 92 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 585 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.