| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INS & FINANCIAL SVCS LLP | — | BLUECROSS BLUESHIELD OF TEXAS | $23K | $3K | $26K | 1.64% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | — | BLUECROSS BLUESHIELD OF TEXAS | $5K | — | $5K | 0.30% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE & FINANCIAL SVCS | LLP 5806 SUMMERFIELD DR TEXARKANA, TX 75503 | HARTFORD LIFE AND ACCIDENT | $27K | — | $27K | 16.49% |
| FROST INSURANCE AGENCY INC3 | 3611 PAESANO PARKWAY SAN ANTONIO, TX 78231 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 3.51% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE AND FINANCIAL | 5806 SUMMERFIELD DRIVE TEXARKANA, TX 75503 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 7.65% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INS & FINL SVCS LLP | 5806 SUMMERFIELD DRIVE STE 1000 JACKSONVILLE, FL 32202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 9.51% |
| EDDIE J DAINES3 | 5806 SUMMERFIELD DR TEXARKANA, TX 75503 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $110 | — | $110 | 0.81% |
| DANIEL E JUND3 | NATIONAL BENEFIT PARTNERS 23282 MILL CREEK DRIVE SUITE 390 LAGUNA HILLS, CA 92653 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $61 | — | $61 | 0.45% |
| USB HEALTH LLC3 | 4550 HWY 360 SUITE 190 GRAPEVINE, TX 76051 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $51 | — | $51 | 0.38% |
No Schedule C service providers reported on this filing.
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 | 380 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 384 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 551 | $1.6M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 551 | $1.6M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 470 | $27K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 347 | $165K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 347 | $165K |
| Other | HARTFORD LIFE AND ACCIDENT | 347 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 551 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.