| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE | 5806 SUMMERFIELD DR. TEXARKANA, TX 75503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $217 | $7K | 10.77% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 S. CAPITAL OF TEXAS HWY WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $78 | $78 | 0.13% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE | 5806 SUMMERFIELD DR. TEXARKANA, TX 75503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | — | $11K | 25.12% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE | 5806 SUMMERFIELD DR. TEXARKANA, TX 75503 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 9.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHFIRST TPA, INC. EIN 75-2348381 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 821 EAST SOUTH LOOP 323 STE. 200 AMERICAN CENTER TYLER, TX 75701 | $32K |
| DAINES INSURANCE EIN 75-2966965 BROKER | Insurance agents and brokers Service code 22 | 5806 SUMMERFIELD DR TEXARKANA, TX 75503 | $19K |
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 | 232 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 232 | $61K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 190 | $17K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 232 | $61K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 54 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 232 | — |
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.