| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNICO GROUP INC3 Filed as: UNICO | 1128 LINCOLN MALL SUITE 200 LINCOLN, NE 68508 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $43K | $22 | $43K | 4.10% |
| UNICO GROUP INC3 | 1128 LINCOLN MALL SUITE 200 LINCOLN, NE 68508 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $4K | $6K | 10.55% |
| CHRISTOPHER THOMAS SMITH3 | PO BOX 6650 METAIRIE, LA 70009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $402 | $5K | 28.64% |
| UNICO GROUP INC3 | 1128 LINCOLN MALL SUITE 200 LINCOLN, NE 68508 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 26.38% |
| UNICO GROUP INC3 Filed as: UNICO GROUP LLC | 1128 LINCOLN MALL SUITE 200 LINCOLN, NE 68508 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $197 | $3K | 16.15% |
| CHRISTOPHER THOMAS SMITH3 | PO BOX 6650 METAIRIE, LA 70009 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $124 | $2K | 16.96% |
| UNICO GROUP INC3 | 1128 LINCOLN MALL SUITE 200 LINCOLN, NE 68508 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 15.90% |
| UNICO GROUP INC3 Filed as: UNICO GROUP LLC | 1128 LINCOLN MALL SUITE 200 LINCOLN, NE 68508 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $132 | — | $132 | 1.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 EAST JACKSON BOULEVARD CHICAGO, IL 60604 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.18% |
| UNICO GROUP INC3 Filed as: UNICO GROUP INC. | 1128 LINCOLN MALL SUITE 200 LINCOLN, NE 68508 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $605 | — | $605 | 5.33% |
| UNICO GROUP INC3 Filed as: UNICO GROUP LLC | 1128 LINCOLN MALL SUITE 200 LINCOLN, NE 68508 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $530 | $66 | $596 | 11.25% |
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 | 196 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NEBRASKA | 123 | $1.0M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 101 | $54K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 142 | $11K |
| Life insurance(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 196 | $17K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 29 | $16K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 196 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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.