| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE & FINANCIAL | 5806 SUMMERFIELD DR TEXARKANA, TX 75503 | AMERITAS LIFE INSURANCE CORP | $21K | $4K | $26K | 12.04% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE & FINANCIAL | 5806 SUMMERFIELD DR TEXARKANA, TX 75503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | $2K | $22K | 16.51% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $715 | $715 | 0.54% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE & FINANCIAL | 5806 SUMMERHILL DR TEXARKANA, TX 75503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $1K | $14K | 16.37% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVIES INC | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $407 | $407 | 0.49% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE & FINANCIAL | 5806 SUMMERFIELD DR TEXARKANA, TX 75503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $1K | $12K | 16.48% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $381 | $381 | 0.53% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE & FINANCIAL SERVIC | 5806 SUMMERFIELD DR TEXARKANA, TX 75503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | — | $10K | 14.62% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE & FINANCIAL | 5806 SUMMERHILL DR TEXARKANA, TX 75503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $696 | $9K | 16.28% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $249 | $249 | 0.46% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE & FINANCIAL | 5806 SUMMERFIELD DRIVE TEXARKANA, TX 75503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $283 | $283 | 1.43% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $101 | $101 | 0.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| USABLE/BLUE ADVANTAGE EIN 71-0655804 CONTRACT ADMIN | Contract Administrator Service code 13 | PO BOX 1460 LITTLE ROCK, AR 72203 | $201K |
| GROUP SERVICE EIN 71-0246079 CONTRACT ADMIN | Contract Administrator Service code 13 | PO BOX 2181 LITTLE ROCK, AR 72203 | $139K |
| CERIDIAN EIN 59-3424469 CONTRACT ADMIN | Contract Administrator Service code 13 | PO BOX 10989 NEWARK, NJ 07193 | $8K |
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 | 434 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 435 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 212 | $83K |
| Dental | AMERITAS LIFE INSURANCE CORP | 739 | $213K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 459 | $221K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 282 | $72K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 282 | $54K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE | 441 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 739 | — |
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.