| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAINES INSURANCE & FIN SERVICES LLP3 | — | BLUE CROSS BLUE SHIELD OF TEXAS | $117K | $4K | $120K | 3.16% |
| DAINES INSURANCE & FIN SERVICES LLP3 | 5806 SUMMERFIELD DR. TEXARKANA, TX 75503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $26K | — | $26K | 10.00% |
| DAINES INSURANCE & FIN SERVICES LLP3 | 5806 SUMMERFIELD DR. TEXARKANA, TX 75503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $35K | $7K | $42K | 23.99% |
| DAINES INSURANCE & FIN SERVICES LLP5 | 5806 SUMMERFIELD DR. TEXARKANA, TX 75503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.88% |
| 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 | 0.83% |
| DAINES INSURANCE & FIN SERVICES LLP3 | 5806 SUMMERFIELD DR. TEXARKANA, TX 75503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | $4K | $21K | 24.67% |
| 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 | $816 | $816 | 0.97% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INS. & FINANCIAL SRVCS | 5806 SUMMERFIELD DR. TEXARKANA, TX 755034305 | VISION SERVICE PLAN | $2K | — | $2K | 3.18% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD., STE. 300 BETHESDA, MD 208142554 | VISION SERVICE PLAN | $287 | — | $287 | 0.45% |
| DAINES INSURANCE & FIN SERVICES LLP3 | 5806 SUMMERFIELD DR. TEXARKANA, TX 75503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $3K | $14K | 24.40% |
| 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 | $534 | $534 | 0.92% |
| DAINES INSURANCE & FIN SERVICES LLP3 | 5806 SUMMERFIELD DR. TEXARKANA, TX 75503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 13.37% |
| 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 | $367 | $367 | 0.70% |
| DAINES INSURANCE & FIN SERVICES LLP3 | 5806 SUMMERFIELD DR. TEXARKANA, TX 75503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | — | $10K | 20.00% |
| DAINES INSURANCE & FIN SERVICES LLP3 | 5806 SUMMERFIELD DR. TEXARKANA, TX 75503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 20.00% |
| DAINES INSURANCE & FIN SERVICES LLP3 | 5806 SUMMERFIELD DR. TEXARKANA, TX 75503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $641 | $3K | 24.85% |
| 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 | $133 | $133 | 1.01% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE & FINANCIAL SERVIC | 5806 SUMMERFIELD DR. TEXARKANA, TX 75503 | AFLAC | $1K | — | $1K | 9.81% |
| JAMES D LOVE3 Filed as: JAMES D. LOVE | 405 E. MAIN STREET HENDERSON, TX 75652 | AFLAC | $30 | — | $30 | 0.24% |
| ROBERT LLOYD STEPHENS3 | P.O. BOX 52 WINNSBORO, TX 75494 | AFLAC | $30 | — | $30 | 0.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHIEST YOU EIN 30-0947669 INSURANCE SUPPLEMENT | Insurance services; Insurance agents and brokers Service code 22 | — | $121K |
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 | 871 | 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) | 871 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 871 | $3.8M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 500 | $258K |
| Vision | VISION SERVICE PLAN | 413 | $63K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 732 | $188K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 253 | $84K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 247 | $58K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 871 | $3.8M |
| Other(6 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 732 | $343K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 871 | — |
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.