| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAINES INSURANCE & FIN SERVICES LLP3 | — | BLUE CROSS BLUE SHIELD OF TEXAS | $109K | $5K | $114K | 1.98% |
| DAINES INSURANCE & FIN SERVICES LLP3 | 5806 SUMMERFIELD DR. TEXARKANA, TX 75503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $31K | $6K | $36K | 11.85% |
| 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 | $2K | $2K | 0.77% |
| DAINES INSURANCE & FIN SERVICES LLP3 | 5806 SUMMERFIELD DR. TEXARKANA, TX 75503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $40K | $12K | $52K | 26.21% |
| 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 | 0.95% |
| DAINES INSURANCE & FIN SERVICES LLP3 | 5806 SUMMERFIELD DR. TEXARKANA, TX 75503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | $4K | $24K | 24.61% |
| 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 | $918 | $918 | 0.96% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INS. & FINANCIAL SRVCS | 5806 SUMMERFIELD DR. TEXARKANA, TX 755034305 | VISION SERVICE PLAN | $2K | — | $2K | 2.85% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD., STE. 300 BETHESDA, MD 208142554 | VISION SERVICE PLAN | $311 | — | $311 | 0.42% |
| DAINES INSURANCE & FIN SERVICES LLP3 | 5806 SUMMERFIELD DR. TEXARKANA, TX 75503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $3K | $17K | 24.47% |
| 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 | $636 | $636 | 0.93% |
| DAINES INSURANCE & FIN SERVICES LLP3 | 5806 SUMMERFIELD DR. TEXARKANA, TX 75503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $3K | $9K | 14.13% |
| 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 | $555 | $555 | 0.86% |
| DAINES INSURANCE & FIN SERVICES LLP3 | 5806 SUMMERFIELD DR. TEXARKANA, TX 75503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $1K | $12K | 22.46% |
| 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 | $483 | $483 | 0.88% |
| DAINES INSURANCE & FIN SERVICES LLP3 | 5806 SUMMERFIELD DR. TEXARKANA, TX 75503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $1K | $10K | 22.39% |
| 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 | $397 | $397 | 0.85% |
| DAINES INSURANCE & FIN SERVICES LLP3 | 5806 SUMMERFIELD DR. TEXARKANA, TX 75503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $706 | $4K | 24.79% |
| 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 | $147 | $147 | 1.00% |
| 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 C/O TELADO HEALTH EIN 04-2705970 INSURANCE SUPPLEMENT | Insurance agents and brokers; Insurance services Service code 22 | — | $129K |
| DAINES INSURANCE & FINANCIAL SERVIC BROKER | Insurance agents and brokers Service code 22 | 5806 SUMMERFILED DR. TEXARKANA, TX 75503 | $19K |
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 | 922 | 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) | 922 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 922 | $5.8M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 521 | $307K |
| Vision | VISION SERVICE PLAN | 454 | $75K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 800 | $214K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 262 | $96K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 242 | $68K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 922 | $5.8M |
| Other(6 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 800 | $392K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 922 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.