| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL DONLEY3 | 2241 PUEBLO COURT SIOUX CITY, IA 51104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $36K | $4K | $40K | 17.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 718 SIOUX CITY, IA 51102 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10K | $274 | $10K | 4.33% |
| ROBERT E ELLIS3 Filed as: ROBERT E. ELLIS | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $2K | $7K | 3.12% |
| GARY L HOLTROP3 Filed as: GARY L. HOLTROP | PO BOX 36 IRETON, IA 51027 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $234 | — | $234 | 0.10% |
| DUANE A ADAMS3 Filed as: DUANE L. GOTTSCH | 2220 NORTH 172ND AVENUE OMAHA, NE 68116 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $124 | — | $124 | 0.05% |
| SCOTT SWARTZENDRUBER3 | 5701 KENTUCKY AVENUE NORTH CRYSTAL, MN 55428 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 0.02% |
| RICHARD RILEY3 | 5714 EAST COLBY ROAD MESA, AZ 85205 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 0.02% |
| UNICO MIDLANDS LLC3 Filed as: UNICO MIDLANDS, LLC | 1128 LINCOLN MALL, SUITE 200 LINCOLN, NE 68508 | AMERITAS LIFE INSURANCE CORPORATION | $3K | $562 | $4K | 2.79% |
| UNICO GROUP INC3 Filed as: UNICO GROUP, INC. | 1128 LINCOLN MALL, SUITE 200 LINCOLN, NE 68508 | AMERITAS LIFE INSURANCE CORPORATION | $539 | — | $539 | 0.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4280 SERGEANT ROAD, SUITE 200 SIOUX CITY, IA 51106 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $371 | $5K | 10.14% |
| UNICO MIDLANDS LLC3 Filed as: UNICO MIDLANDS, LLC | 7101 SOUTH 82ND STREET LINCOLN, NE 68516 | VISION SERVICE PLAN | $1K | — | $1K | 4.73% |
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 | 315 | 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) | 315 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 721 | $128K |
| Vision | VISION SERVICE PLAN | 304 | $29K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 315 | $51K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 168 | $234K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 315 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 721 | — |
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.