| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE | 5806 SUMMERFIELD DR. TEXARKANA, TX 75503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $76K | $25K | $101K | 15.77% |
| DAINES INSURANCE & FIN SERVICES LLP5 Filed as: DAINES INSURANCE | 5806 SUMMERFIELD DR. TEXARKANA, TX 75503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $11K | $11K | 1.78% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 S. CAPITAL OF HWY TEXAS STE. 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $6K | $6K | 0.89% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INS & FINANCIAL SRVCS, LLP | 5806 SUMMERFIELD DR. TEXARKANA, TX 75503 | TRANSAMERICA LIFE INSURANCE COMPANY | $6K | — | $6K | 9.96% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INS & FINANCIAL SRVCS, LLP | 5806 SUMMERFIELD DR. TEXARKANA, TX 75503 | VISION SERVICE PLAN | $5K | — | $5K | 10.00% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR, LLO | 7979 OLD GEORGETOWN RD. STE. 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $293 | — | $293 | 0.60% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF TEXAS EIN 36-1236610 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | 1001 EAST LOOKOUT DRIVE RICHARDSON, TX 75082 | $135K |
| DAINES INS & FINANCIAL SRVCS, LLP EIN 75-2966965 INSURANCE BROKER | Custodial (securities) Service code 19 | 5806 SUMMERFIELD DR. 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 | 531 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 531 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 347 | $49K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 531 | $641K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 531 | $641K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 531 | $641K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF TEXAS, A DIVISION OF HEALTHCARE SERVICE CORP. | 983 | $688K |
| Other | TRANSAMERICA LIFE INSURANCE COMPANY | 122 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 983 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.