| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE & FINANCIAL SERVIC | 5806 SUMMERFIELD DR TEXARKANA, TX 75503 | HEALTH CARE SERVICES CORPORATION | $21K | $4K | $25K | 0.51% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE & FINANCIAL SERVIC | 5806 SUMMERFIELD DR TEXARKANA, TX 755055747 | STANDARD INSURANCE COMPANY | $30K | $2K | $32K | 15.86% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE & FINANCIAL SERVIC | 5806 SUMMERFIELD DR TEXARKANA, TX 755055747 | STANDARD INSURANCE COMPANY | $29K | — | $29K | 25.12% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HWY BLDG 2 ST AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 1.81% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE & FINANCIAL SERVIC | 5806 SUMMERFIELD DR TEXARKANA, TX 755055747 | STANDARD INSURANCE COMPANY | $14K | $1K | $15K | 16.20% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE & FINANCIAL SERVIC | 5806 SUMMERFIELD DR TEXARKANA, TX 755055747 | STANDARD INSURANCE COMPANY | $13K | $1K | $14K | 16.20% |
| DAINES INSURANCE & FIN SERVICES LLP Filed as: DAINES INSURANCE & FINANCIAL SERVIC | 5806 SUMMERFIELD DR TEXARKANA, TX 75503 | NATIONAL GUARDIAN LIFE INSURANCE CO | $5K | — | $5K | 10.00% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE & FINANCIAL SERVIC | 5806 SUMMERFIELD DR TEXARKANA, TX 755034305 | DEARBORN LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE & FINANCIAL SERVIC | 5806 SUMMERFIELD DR TEXARKANA, TX 75503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 2.71% |
| SHAREE HOOPER3 | 2542 N. SURTEES PL FAYETTEVILLE, AR 72704 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.35% |
| JOHN ROE3 | 42006 MILL CREEK RD. MAGNOLIA, TX 77354 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.17% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH CARE SERVICES CORPORATION EIN 36-1236610 NONE | Contract Administrator; Claims processing Service code 12 | — | $334K |
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 | 591 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 604 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICES CORPORATION | 886 | $4.8M |
| Dental | HEALTH CARE SERVICES CORPORATION | 886 | $4.8M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE CO | 365 | $49K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 876 | $234K |
| Short-term disability | STANDARD INSURANCE COMPANY | 312 | $90K |
| Long-term disability | STANDARD INSURANCE COMPANY | 240 | $85K |
| Stop-loss / reinsurancereinsurance | HEALTH CARE SERVICES CORPORATION | 886 | $4.8M |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 444 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 886 | — |
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.
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.