| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | TWO PIERCE PLACE 14TH FL ITASCA, IL 601433141 | USABLE LIFE INSURANCE COMPANY | $21K | $153K | $174K | 20.87% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INS AND FINANCIAL SERVICES | 5806 SUMMERFIELD DR TEXARKANA, TX 75503 | STANDARD INSURANCE CO | $6K | $0 | $6K | 8.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | TWO PIERCE PLACE 14TH FL ITASCA, IL 601433141 | STANDARD INSURANCE CO | $1K | $0 | $1K | 1.67% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INS AND FINANCIAL SERVICES | 5806 SUMMERFIELD DR TEXARKANA, TX 75503 | STANDARD INSURANCE CO | $318 | $0 | $318 | 0.47% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INS AND FINANCIAL SERVICES | 5806 SUMMERFIELD DR TEXARKANA, TX 755055747 | STANDARD INSURANCE CO | $7K | $0 | $7K | 16.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | TWO PIERCE PLACE 14TH FL ITASCA, IL 601433141 | STANDARD INSURANCE CO | $1K | $0 | $1K | 3.20% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INS AND FINANCIAL SERVICES | 5806 SUMMERFIELD DR TEXARKANA, TX 755055747 | STANDARD INSURANCE CO | $381 | $0 | $381 | 0.97% |
| EDDIE J DAINES3 | 5806 SUMMERFIELD DR TEXARKANA, TX 75503 | TRANSAMERICA LIFE INSURANCE CO | $1K | $0 | $1K | 10.81% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INS AND FINANCIAL SERVICES | 5806 SUMMERFIELD DR TEXARKANA, TX 755055747 | STANDARD INSURANCE CO | $2K | $0 | $2K | 16.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | TWO PIERCE PLACE 14TH FL ITASCA, IL 601433141 | STANDARD INSURANCE CO | $421 | $0 | $421 | 3.18% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INS AND FINANCIAL SERVICES | 5806 SUMMERFIELD DR TEXARKANA, TX 755055747 | STANDARD INSURANCE CO | $147 | $0 | $147 | 1.11% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE AND FINANCIAL | 5806 SUMMERFIELD DR TEXARKANA, TX 75503 | SUPERIOR VISION PLAN OF TEXAS | $1K | — | $1K | 9.99% |
| EDDIE J DAINES3 | 5806 SUMMERFIELD DRIVE TEXARKANA, TX 75503 | TRANSAMERICA LIFE INSURANCE CO | $1K | $0 | $1K | 16.70% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| USABLE LIFE INSUARANCE CO EIN 71-0505232 INSURANCE AGENCY | Insurance services; Insurance agents and brokers Service code 22 | PO BOX 1151 LITTLE ROCK, AR 722031151 | $21K |
| STANDARD INSURANCE COMPANY EIN 93-0242990 INSURANCE AGENCY | Insurance services; Insurance agents and brokers Service code 22 | P O BOX 82588 LINCOLN, NE 685012588 | $18K |
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 | 130 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | 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) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | USABLE LIFE INSURANCE COMPANY | 224 | $832K |
| Dental | STANDARD INSURANCE CO | 99 | $67K |
| Vision | SUPERIOR VISION PLAN OF TEXAS | 184 | $12K |
| Life insurance | STANDARD INSURANCE CO | 129 | $39K |
| Short-term disability | STANDARD INSURANCE CO | 39 | $13K |
| Prescription drug | USABLE LIFE INSURANCE COMPANY | 224 | $832K |
| Other(2 contracts) | TRANSAMERICA LIFE INSURANCE CO | 66 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.