| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OCI INSURANCE & FINANCIAL SERVICES3 Filed as: OCI INSURANCE & FINANCIAL SERVICES, | 4221 NORTH 203RD STREET ELKHORN, NE 68022 | MEDICA INSURANCE COMPANY | $21K | $14K | $34K | 2.48% |
| UNICO GROUP INC3 Filed as: UNICO GROUP, INC. | 1128 LINCOLN MALL SUITE 200 LINCOLN, NE 68508 | MEDICA INSURANCE COMPANY | $25K | — | $25K | 1.80% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 PARKWAY WEST SUITE 320 BLUEBELL, PA 19422 | MEDICA INSURANCE COMPANY | — | $8K | $8K | 0.60% |
| UNICO GROUP INC3 Filed as: UNICO GROUP, INC. | 1128 LINCOLN MALL SUITE 200 LINCOLN, NE 68508 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $1K | $4K | 4.97% |
| UNICO GROUP INC3 Filed as: UNICO GROUP, INC. | 1128 LINCOLN MALL SUITE 200 LINCOLN, NE 68508 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 19.09% |
| BLUE CROSS BLUE SHIELD OF FLORIDA5 Filed as: BLUE CROSS AND BLUE SHIELD OF NEBRA | 1919 AKSARBEN DRIVE OMAHA, NE 68180 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| WATCHTOWER BENEFITS, LLC3 | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $395 | $395 | 1.50% |
| UNICO GROUP INC3 Filed as: UNICO GROUP, INC. | 1128 LINCOLN MALL SUITE 200 LINCOLN, NE 68508 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $941 | $673 | $2K | 14.25% |
| WATCHTOWER BENEFITS, LLC3 | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $170 | $170 | 1.50% |
| UNICO GROUP INC3 Filed as: UNICO GROUP, INC. | 1128 LINCOLN MALL SUITE 200 LINCOLN, NE 68508 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 25.00% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS AND BLUE SHIELD OF NEBRA | 1919 AKSARBEN DRIVE OMAHA, NE 68180 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $426 | $426 | 5.00% |
| UNICO GROUP INC3 Filed as: UNICO GROUP, INC. | 1128 LINCOLN MALL SUITE 200 LINCOLN, NE 68508 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 25.00% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS AND BLUE SHIELD OF NEBRA | 1919 AKSARBEN DRIVE OMAHA, NE 68180 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $324 | $324 | 4.99% |
| UNICO GROUP INC3 Filed as: UNICO GROUP, INC. | 1128 LINCOLN MALL SUITE 200 LINCOLN, NE 68508 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $425 | $261 | $686 | 16.13% |
| BLUE CROSS BLUE SHIELD OF FLORIDA5 Filed as: BLUE CROSS AND BLUE SHIELD OF NEBRA | 1919 AKSARBEN DRIVE OMAHA, NE 68180 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $213 | $213 | 5.01% |
| WATCHTOWER BENEFITS, LLC3 | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $64 | $64 | 1.51% |
| UNICO GROUP INC3 Filed as: UNICO GROUP, INC. | 1128 LINCOLN MALL SUITE 200 LINCOLN, NE 68508 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $985 | — | $985 | 24.99% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS AND BLUE SHIELD OF NEBRA | 1919 AKSARBEN DRIVE OMAHA, NE 68180 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $197 | $197 | 5.00% |
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 | 205 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 135 | $1.4M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 111 | $73K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 102 | $11K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 194 | $4K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 46 | $26K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 194 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.