| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNICO GROUP INC3 Filed as: UNICO GROUP | 1128 LINCOLN MALL,STE 200 LINCOLN, NE 68508 | BCBS OF NEBRASKA | $41K | — | $41K | 4.08% |
| UNICO GROUP INC3 Filed as: UNICO GROUP, INC | 1128 LINCOLN MALL, STE 200 LINCOLN, NE 68508 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.57% |
| UNICO GROUP INC3 Filed as: UNICO GROUP, LLC | 1128 LINCOLN MALL, STE 200 LINCOLN, NE 68508 | UNUM LIFE INSURANCE CO | $4K | $300 | $4K | 23.63% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST, LTD | EMPLOYEE BENEFITS DEPT 55 JACKSON BLVD, STE. 14A CHICAGO, IL 60604 | UNUM LIFE INSURANCE CO | — | -$16 | -$16 | -0.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST, LTD | 55 E JACKSON BLVD CHICAGO, IL 60604 | UNUM LIFE INSURANCE CO | -$1K | -$40 | -$1K | -7.06% |
| UNICO GROUP INC3 Filed as: UNICO GROUP INC. | 1128 LINCOLN MALL,NO. 200 LINCOLN, NE 68508 | EYEMED VISION CARE | $736 | — | $736 | 6.45% |
| UNICO MIDLANDS LLC3 Filed as: UNICO MIDLANDS, LLC 16019135 | 1128 LINCOLN MALL, NO. 200 LINCOLN, NE 68508 | EYEMED VISION CARE | $130 | — | $130 | 1.14% |
| UNICO GROUP INC3 Filed as: UNICO GROUP, LLC | 1125 LINCOLN MALL, STE 200 LINCOLN, NE 68508 | PROVIDENT LIFE AND ACCIDENT INS CO | $921 | — | $921 | 10.01% |
| SMITH, THOMAS, CHRISTOPHER3 | PO BOX 6650 METAIRIE, LA 70009 | PROVIDENT LIFE AND ACCIDENT INS CO | $779 | $52 | $831 | 9.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST, LTD | 55 E JACSKSON BLVD CHICAGO, IL 60604 | PROVIDENT LIFE AND ACCIDENT INS CO | $21 | — | $21 | 0.23% |
| SMITH, THOMAS, CHRISTOPHER3 | PO BOX 6650 METAIRIE, LA 37010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $178 | $2K | 36.25% |
| UNICO GROUP INC3 Filed as: UNICO GROUP, INC | 1128 LINCOLN MALL, STE 200 LINCOLN, NE 68508 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 33.29% |
| UNICO GROUP INC3 Filed as: UNICO GROUP, INC | 1128 LINCOLN MALL, STE 200 LINCOLN, NE 68508 | UNUM LIFE INSURANCE CO | $876 | $109 | $985 | 16.92% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST, LTD | EMPLOYEE BENEFITS DEPT 55 E JACKSON BLVD, STE. 14A CHICAGO, IL 60604 | UNUM LIFE INSURANCE CO | — | -$6 | -$6 | -0.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST, LTD | 55 E JACKSON BLVD CHICAGO, IL 60604 | UNUM LIFE INSURANCE CO | -$294 | -$16 | -$310 | -5.32% |
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 | 198 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BCBS OF NEBRASKA | 158 | $1.0M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 140 | $52K |
| Vision | EYEMED VISION CARE | 134 | $11K |
| Life insurance | UNUM LIFE INSURANCE CO | 198 | $6K |
| Long-term disability | UNUM LIFE INSURANCE CO | 30 | $16K |
| Other(3 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT INS CO | 198 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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.
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.