| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INS & FIN SRVCS, LLP | 5806 SUMMERFIELD DRIVE TEXARKANA, TX 75503 | HARTFORD LIFE AND ACCIDENT | $52K | — | $52K | 13.93% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INS & FIN SRVCS, LLP | 5806 SUMMERFIELD DRIVE TEXARKANA, TX 75503 | TRANSAMERICA LIFE INSURANCE COMPANY | $18K | — | $18K | 15.68% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INS & FIN SRVCS, LLP | 5806 SUMMERFIELD DRIVE TEXARKANA, TX 75503 | VISION SERVICE PLAN | $3K | — | $3K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF TEXAS EIN 36-1236610 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | 1001 EAST LOOKOUT RICHARDSON, TX 75082 | $190K |
| DAINES INS & FIN SRVCS, LLP EIN 75-2966965 INSURANCE BROKER | Custodial (securities) Service code 19 | 5806 SUMMERFIELD DRIVE TEXARKANA, 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 | 383 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 383 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 201 | $31K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 493 | $372K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 493 | $372K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 493 | $372K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD, A DIVISION OF HEALTH CARE SERVICE CORP | 771 | $459K |
| Other | TRANSAMERICA LIFE INSURANCE COMPANY | 151 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 771 | — |
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.