| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INS & FIN SERVICES | 5806 SUMMERFIELD DR TEXARKANA, TX 755055747 | STANDARD INSURANCE COMPANY | $27K | $2K | $29K | 15.48% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INS & FIN SERVICES | 5806 SUMMERFIELD DR TEXARKANA, TX 755055747 | STANDARD INSURANCE COMPANY | $28K | $0 | $28K | 22.35% |
| NFP INSURANCE SERVICES INC3 | BLDG 2 STE 125 1250 CAPITAL OF TX HWY AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 1.84% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INS & FIN SERVICES | 5806 SUMMERFIELD DR TEXARKANA, TX 755055747 | STANDARD INSURANCE COMPANY | $13K | $896 | $14K | 17.09% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INS & FIN SERVICES | 5806 SUMMERFIELD DR TEXARKANA, TX 755055747 | STANDARD INSURANCE COMPANY | $11K | $740 | $12K | 17.56% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE AND FINANCIAL | 5806 SUMMERFIELD DR TEXARKANA, TX 75503 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 9.96% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE & FINANCIAL SRVCS | LLP 5806 SUMMERFIELD DR TEXARKANA, TX 755034305 | DEARBORN LIFE INSURANCE COMPANY | $3K | $0 | $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 | $37 | $0 | $37 | 2.56% |
| SHAREE HOOPER3 | 2542 N SURTEES PL FAYETTEVILLE, AR 72704 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.35% |
| JOHN ROE3 | 42006 MILL CREEK ROAD MAGNOLIA, TX 77354 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.14% |
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 | 592 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 599 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 355 | $51K |
| Life insurance(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 881 | $215K |
| Short-term disability | STANDARD INSURANCE COMPANY | 317 | $81K |
| Long-term disability | STANDARD INSURANCE COMPANY | 239 | $67K |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 199 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 881 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.