| 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 | $1K | $22K | 10.53% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE & FINANCIAL | 5806 SUMMERFIELD DR TEXARKANA, TX 75503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $21K | $8K | $29K | 20.79% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 1.21% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE & FINANCIAL | 5806 SUMMERFIELD DR TEXARKANA, TX 75503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $5K | $17K | 21.01% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 1.25% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE & FINANCIAL | 5806 SUMMERFIELD DR TEXARKANA, TX 75503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $4K | $15K | 20.93% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $884 | $884 | 1.24% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE & FINANCIAL | 5806 SUMMERFIELD DRIVE TEXARKANA, TX 75503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14K | — | $14K | 25.98% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE & FINANCIAL | 5806 SUMMERFIELD DR TEXARKANA, TX 75503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $3K | $11K | 20.95% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $666 | $666 | 1.24% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE & FINANCIAL | 5806 SUMMERFIELD DR TEXARKANA, TX 75503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 5.91% |
| 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 | — | $249 | $249 | 1.23% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| USABLE/BLUE ADVANTAGE EIN 71-0655804 CONTRACT ADMIN | Contract Administrator Service code 13 | PO BOX 1460 LITTLE ROCK, AR 72203 | $199K |
| GROUP SERVICE EIN 71-0246079 CONTRACT ADMIN | Contract Administrator Service code 13 | PO BOX 2181 LITTLE ROCK, AR 72203 | $150K |
| CERIDIAN EIN 59-3424469 CONTRACT ADMIN | Contract Administrator Service code 13 | PO BOX 10989 NEWARK, NJ 07193 | $6K |
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 | 444 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 446 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 339 | $83K |
| Dental | AMERITAS LIFE INSURANCE CORP | 752 | $209K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 476 | $214K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 293 | $72K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 293 | $54K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE | 429 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 752 | — |
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.