| 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 | $25K | $3K | $28K | 11.04% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVIES INC | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | AMERITAS LIFE INSURANCE CORP | — | -$8K | -$8K | -3.10% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE & FINANCIAL | 5806 SUMMERFIELD DR TEXARKANA, TX 75503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $22K | $9K | $30K | 20.99% |
| 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 | 1.25% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE & FINANCIAL | 5806 SUMMERFIELD DR TEXARKANA, TX 75503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $8K | $22K | 18.80% |
| 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 | 1.31% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE & FINANCIAL | 5806 SUMMERFIELD DR TEXARKANA, TX 75503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | $7K | $23K | 20.92% |
| 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 | 1.23% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE & FINANCIAL | 5806 SUMMERFIELD DR TEXARKANA, TX 75503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $6K | $21K | 20.73% |
| 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 | 1.19% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE & FINANCIAL | 5806 SUMMERFIELD DR TEXARKANA, TX 75503 | AFLAC | $21K | — | $21K | 29.57% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE & FINANCIAL | 5806 SUMMERFIELD DRIVE TEXARKANA, TX 75503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 6.04% |
| 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 | — | $272 | $272 | 1.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| USABLE/BLUE ADVANTAGE EIN 71-0655804 CONTRACT ADMIN | Contract Administrator Service code 13 | PO BOX 1460 LITTLE ROCK, AR 72203 | $192K |
| GROUP SERVICE EIN 71-0246079 CONTRACT ADMIN | Contract Administrator Service code 13 | PO BOX 2181 LITTLE ROCK, AR 72203 | $173K |
| 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 | 394 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 396 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 292 | $100K |
| Dental | AMERITAS LIFE INSURANCE CORP | 993 | $250K |
| Vision | AMERITAS LIFE INSURANCE CORP | 993 | $250K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 440 | $235K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 244 | $111K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 288 | $119K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE | 472 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 993 | — |
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.