| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INS & FINANCIAL SVCS LLC | 5806 SUMMERFIELD DR TEXARKANA, TX 75503 | USABLE LIFE INSURANCE COMPANY | $19K | $137K | $156K | 20.87% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INS AND FINANCIAL SERVICES | 5806 SUMMERFIELD DR TEXARKANA, TX 75503 | STANDARD INSURANCE COMPANY | $14K | — | $14K | 21.48% |
| DANIES INSURANCE & FIN SERVICES LLP3 Filed as: DANIES INS AND FINANCIAL SERVICES | 5806 SUMMERFIELD DR TEXARKANA, TX 75503 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 23.00% |
| EDDIE J DAINES3 | 5806 SUMMERFIELD DRIVE TEXARKANA, TX 75503 | TRANSAMERICA LIFE INSURANCE CO | $2K | — | $2K | 12.52% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INS AND FINANCIAL SERVICES | 5806 SUMMERFIELD DR TEXARKANA, TX 75503 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 23.04% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE AND FINANCIAL | 5806 SUMMERFIELD DR TEXARKANA, TX 75503 | SUPERIOR VISION OF TEXAS | $1K | — | $1K | 9.21% |
| EDDIE J DAINES3 | 5806 SUMMERFIELD DRIVE TEXARKANA, TX 75503 | TRANSAMERICA LIFE INSURANCE CO | $2K | — | $2K | 21.57% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| STANDARD INSURANCE COMPANY EIN 93-0242990 INSURANCE AGENCY | Insurance agents and brokers; Insurance services Service code 22 | P O BOX 82588 LINCOLN, NE 685012588 | $26K |
| USABLE LIFE INSURANCE CO EIN 71-0505232 INSURANCE AGENCY | Insurance services; Insurance agents and brokers Service code 22 | P O BOX 1151 LITTLE ROCK, AR 722031151 | $19K |
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 | 133 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | USABLE LIFE INSURANCE COMPANY | 218 | $746K |
| Dental | STANDARD INSURANCE COMPANY | 106 | $64K |
| Vision | SUPERIOR VISION OF TEXAS | 182 | $14K |
| Life insurance | STANDARD INSURANCE COMPANY | 123 | $38K |
| Short-term disability | STANDARD INSURANCE COMPANY | 42 | $14K |
| Prescription drug | USABLE LIFE INSURANCE COMPANY | 218 | $746K |
| Other(2 contracts) | TRANSAMERICA LIFE INSURANCE CO | 70 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.