| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OCI INSURANCE & FINANCIAL SERVICES3 | 4221 NORTH 203RD STREET SUITE 200 ELKHORN, NE 68022 | MEDICA INSURANCE COMPANY | $56K | $16K | $72K | 5.57% |
| OCI INSURANCE & FINANCIAL SERVICES3 | 4221 NORTH 203RD STREET SUITE 200 EKLHORN, NE 68022 | MEDICA INSURANCE COMPANY | — | $4K | $4K | 0.32% |
| UNICO GROUP INC3 Filed as: UNICO GROUP LLC | 1128 LINCOLN MALL SUITE 200 LINCOLN, NE 68508 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $2K | $8K | 7.07% |
| UNICO GROUP INC3 Filed as: UNICO GROUP, INC | 1128 LINCOLN MALL SUITE 200 LINCOLN, NE 68508 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| WATCHTOWER BENEFITS, LLC3 | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $429 | $429 | 1.50% |
| UNICO GROUP INC3 Filed as: UNICO GROUP, INC | 1128 LINCOLN MALL SUITE 200 LINCOLN, NE 68508 | UNITED OF OMAHA LIFE INSURANCE COMPAY | $1K | — | $1K | 10.00% |
| WATCHTOWER BENEFITS, LLC3 | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPAY | — | $217 | $217 | 1.50% |
| UNICO GROUP INC3 Filed as: UNICO GROUP LLC | 1128 LINCOLN MALL SUITE 200 LINCOLN, NC 68508 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| WATCHTOWER BENEFITS, LLC3 | 227 WEST MONNROE STREET SUITE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $190 | $190 | 1.50% |
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 | 190 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 150 | $1.3M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 192 | $113K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 192 | $113K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 192 | $142K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPAY | 192 | $14K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 192 | $13K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 105 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.