| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNICO GROUP INC3 Filed as: UNICO GROUP, INC. | 1128 LINCOLN MALL, SUITE 200 LINCOLN, NE 68508 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $30K | $5K | $36K | 4.36% |
| LOCKTON COMPANIES, LLC3 | 4725 PIEDMONT ROW DRIVE, SUITE 510 CHARLOTTE, NC 28210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | $6K | $28K | 3.43% |
| LOCKTON COMPANIES, LLC3 | 10895 LOWELL AVENUE, SUITE 300 OVERLAND PARK, KS 66210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $2K | $16K | 1.90% |
| TRANSCEND TECHNOLOGIES GROUP, INC.3 | 1650 SAMANTHA CREST TRAIL RENO, NV 89523 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 1.11% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $285 | $0 | $285 | 20.00% |
| LOCKTON COMPANIES, LLC3 | 4725 PIEDMONT ROW DRIVE, SUITE 510 CHARLOTTE, NC 28210 | FEDERAL INSURANCE COMPANY | $214 | $0 | $214 | 15.02% |
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 | 1,028 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 328 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,356 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 800 | $145K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,028 | $817K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,028 | $817K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,028 | $819K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,028 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.