| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAINES INSURANCE & FIN SERVICES LLP3 | — | BLUE CROSS BLUE SHIELD OF TEXAS | $117K | $5K | $122K | 2.19% |
| TRUVERIS, INC3 Filed as: TRUVERIS, INC. | — | BLUE CROSS BLUE SHIELD OF TEXAS | $0 | $15K | $15K | 0.27% |
| DAINES INSURANCE & FIN SERVICES LLP3 | 5806 SUMMERFIELD DR. TEXARKANA, TX 75503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $42K | $17K | $58K | 28.00% |
| 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 | $0 | $2K | $2K | 1.17% |
| DAINES INSURANCE & FIN SERVICES LLP3 | 5806 SUMMERFIELD DR. TEXARKANA, TX 75503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $21K | $6K | $27K | 25.24% |
| 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 | $0 | $1K | $1K | 1.09% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INS. & FINANCIAL SRVCS | 5806 SUMMERFIELD DR. TEXARKANA, TX 755034305 | VISION SERVICE PLAN | $2K | — | $2K | 2.98% |
| DAINES INSURANCE & FIN SERVICES LLP3 | 5806 SUMMERFIELD DR. TEXARKANA, TX 75503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $4K | $11K | 15.01% |
| 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 | $0 | $777 | $777 | 1.04% |
| DAINES INSURANCE & FIN SERVICES LLP3 | 5806 SUMMERFIELD DR. TEXARKANA, TX 75503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $4K | $18K | 25.85% |
| 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 | $0 | $829 | $829 | 1.22% |
| DAINES INSURANCE & FIN SERVICES LLP3 | 5806 SUMMERFIELD DR. TEXARKANA, TX 75503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $3K | $16K | 25.01% |
| 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 | $0 | $676 | $676 | 1.04% |
| DAINES INSURANCE & FIN SERVICES LLP3 | 5806 SUMMERFIELD DR. TEXARKANA, TX 75503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $3K | $13K | 25.34% |
| NFP INSURANCE SERVICES INC5 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 | $0 | $568 | $568 | 1.11% |
| DAINES INSURANCE & FIN SERVICES LLP3 | 5806 SUMMERFIELD DR. TEXARKANA, TX 75503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $865 | $4K | 25.45% |
| 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 | $0 | $180 | $180 | 1.13% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHIEST YOU C/O TELADO HEALTH EIN 04-2705970 INSURANCE SUPPLEMENT | Insurance services; Insurance agents and brokers Service code 22 | — | $160K |
| DAINES INSURANCE & FINANCIAL SERVIC BROKER | Insurance agents and brokers Service code 22 | 5806 SUMMERFILED DR. TEXARKANA, TX 75503 | $24K |
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 | 1,004 | 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) | 1,004 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 1,004 | $5.6M |
| Dental | BLUE CROSS BLUE SHIELD OF TEXAS | 1,004 | $5.6M |
| Vision | VISION SERVICE PLAN | 502 | $80K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 855 | $224K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 294 | $107K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 249 | $68K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 1,004 | $5.6M |
| Other(5 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 855 | $414K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,004 | — |
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.