| 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 MUTUAL INSURANCE COMPANY | $0 | $142K | $142K | 15.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF RD STE 1000 ROLLING MDWS, IL 60008 | STANDARD INSURANCE CO | $6K | $0 | $6K | 9.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BEEFIT SERVICES | SUITE 600 505 N BRAND BLVD GLENDALE, CA 91203 | STANDARD INSURANCE CO | $758 | $0 | $758 | 1.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF RD STE 1000 ROLLING MDWS, IL 60008 | STANDARD INSURANCE CO | $370 | $0 | $370 | 0.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF RD STE 1000 ROLLING MDWS, IL 60008 | STANDARD INSURANCE COMPANY | $8K | $0 | $8K | 20.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 505 N BRAND BLVD SUITE 600 GLENDALE, CA 91203 | STANDARD INSURANCE COMPANY | $850 | $0 | $850 | 2.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF RD STE 1000 ROLLING MDWS, IL 60008 | STANDARD INSURANCE COMPANY | $415 | $0 | $415 | 1.05% |
| EDDIE J DAINES3 | 5806 SUMMERFIELD DRIVE TEXARKANA, TX 75503 | TRANSAMERICA LIFE INSURANCE CO | $2K | $0 | $2K | 11.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 11219 FINANCIAL CENTRE PKWY SUITE 311 LITTLE ROCK, AR 72211 | TRANSAMERICA LIFE INSURANCE CO | $211 | $0 | $211 | 1.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF RD STE 1000 ROLLING MDWS, IL 60008 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | SUITE 600 505 N BRAND BLVD GLENDALE, CA 91203 | STANDARD INSURANCE COMPANY | $284 | — | $284 | 2.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF RD STE 1000 ROLLING MDWS, IL 60008 | STANDARD INSURANCE COMPANY | $139 | — | $139 | 1.01% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE & FINANCIAL | 5806 SUMMERFIELD DR TEXARKANA, TX 75503 | SUPERIOR VISION PLAN OF TEXAS | $1K | — | $1K | 10.00% |
| EDDIE J DAINES3 | 5806 SUMMERFIELD DRIVE TEXARKANA, TX 75503 | TRANSAMERICA LIFE INSURANCE CO | $1K | $0 | $1K | 13.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 11219 FINANCIAL CENTRE PKWY STE 311 LITTLE ROCK, AR 72211 | TRANSAMERICA LIFE INSURANCE CO | $136 | $0 | $136 | 1.73% |
| 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 | $20K |
| 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 | $0 |
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 | 123 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | 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) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | USABLE MUTUAL INSURANCE COMPANY | 201 | $911K |
| Dental | STANDARD INSURANCE CO | 91 | $66K |
| Vision | SUPERIOR VISION PLAN OF TEXAS | 167 | $12K |
| Life insurance | STANDARD INSURANCE COMPANY | 120 | $40K |
| Short-term disability | STANDARD INSURANCE COMPANY | 38 | $14K |
| Prescription drug | USABLE MUTUAL INSURANCE COMPANY | 201 | $911K |
| Other(2 contracts) | TRANSAMERICA LIFE INSURANCE CO | 69 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.