| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ZEUTENHORST FINANCIAL3 Filed as: ZEUTENHORST FINANCIAL INC | 1230 SOUTH MAIN AVENUE SIOUX CENTER, IA 51250 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 8.05% |
| UNICO GROUP INC3 | 1128 LINCOLN MALL, SUITE 200 LINCOLN, NE 68508 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 2.29% |
| ZEUTENHORST FINANCIAL3 Filed as: ZEUTENHORST FINANCIAL INC | 1230 SOUTH MAIN AVENUE SIOUX CENTER, IA 51250 | HCC LIFE INSURANCE COMPANY | $734 | $0 | $734 | 3.37% |
| GROUP MARKETING SERVICES INC3 Filed as: GROUP MARKETING SERVICES, INC | 3421 NORTH 190TH PLAZA ELKHORN, NE 68022 | HCC LIFE INSURANCE COMPANY | $728 | $0 | $728 | 3.34% |
| UNICO GROUP INC3 | 1128 LINCOLN MALL, SUITE 200 LINCOLN, NE 68508 | HCC LIFE INSURANCE COMPANY | $717 | $0 | $717 | 3.29% |
| ZEUTENHORST FINANCIAL3 Filed as: ZEUTENHORST FINANCIAL INC | 1230 SOUTH MAIN AVENUE SIOUX CENTER, IA 51250 | AMERITAS LIFE INSURANCE CORPORATION | $2K | $0 | $2K | 11.00% |
| UNICO GROUP INC3 | 1128 LINCOLN MALL, SUITE 200 LINCOLN, NE 68508 | AMERITAS LIFE INSURANCE CORPORATION | $800 | $0 | $800 | 4.00% |
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 | 107 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 167 | $20K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 105 | $92K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 105 | $92K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 105 | $92K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 105 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.