| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INS AND FIN SERVICES, LLP | 5806 SUMMERFIELD DRIVE TEXARKANA, AR 75503 | HARTFORD LIFE AND ACCIDENT | $51K | — | $51K | 13.77% |
| EDDIE J DAINES3 Filed as: EDDIE DANES | 5806 SUMMERFIELD DRIVE TEXARKANA, TX 75503 | TLIC | $15K | — | $15K | 14.05% |
| MICHAEL C CHAPMAN3 Filed as: MICHAEL CHAOMAN | 2150 PORTWOOD WAY FORT WORTH, TX 76179 | TLIC | $30 | — | $30 | 0.03% |
| KIMBERLY A THOMAS-WALTER3 Filed as: KIMBERLY A. THOMAS-WALTER | 261 MILL POND ROAD CONWAY, AR 72034 | TLIC | $8 | — | $8 | 0.01% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INS AND FIN SERVICES, LLP | 5806 SUMMERFIELD DRIVE TEXARKANA, TX 755034305 | VISION SERVICE PLAN | $3K | — | $3K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS AND BLUESHIELD OF TEXAS EIN 36-1236610 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | 1001 EAST LOOKOUT RICHARDSON, TX 75082 | $225K |
| DAINES INS AND FIN SERVICES, LLP EIN 75-2966965 INSURANCE BROKER | Custodial (securities) Service code 19 | 5806 SUMMERFIELD DRIVE TEXARKANAS, TX 75503 | $15K |
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 | 388 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 388 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 199 | $29K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 373 | $369K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 373 | $369K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 373 | $369K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF TEXAS, A DIVISION OF HEALTH CARE SERVICE CORP | 793 | $448K |
| Other | TLIC | 144 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 793 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.