| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNICO GROUP INC3 Filed as: UNICO GROUP INC. | 1128 LINCOLN MALL STE 200 LINCOLN, NE 68508 | ASSURITY LIFE INSURANCE COMPANY | $41K | — | $41K | 13.59% |
| CENTRAL AGENCY3 | 1128 LINCOLN MALL STE 200 LINCOLN, NE 68508 | ASSURITY LIFE INSURANCE COMPANY | $14K | — | $14K | 4.53% |
| UNICO GROUP INC3 Filed as: UNICO GROUP INC. | 1128 LINCOLN MALL STE 200 LINCOLN, NE 68508 | AMERITAS LIFE INSURANCE COMPANY | $2K | — | $2K | 2.34% |
| UNION AGENCY, INC.3 | 1128 LINCOLN MALL STE 200 LINCOLN, NE 68508 | AMERITAS LIFE INSURANCE COMPANY | $796 | — | $796 | 0.95% |
| UNICO GROUP INC3 Filed as: UNICO GROUP INC. | 1128 LINCOLN MALL STE 200 LINCOLN, NE 68508 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 11.25% |
| CENTRAL AGENCY3 | 1128 LINCOLN MALL STE 200 LINCOLN, NE 68508 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.75% |
| NICHOLAS F. KELLEY3 | 17110 MARCY ST STE 104 OMAHA, NE 68118 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 4.79% |
| CORBIN L. LAMBERT3 | 17117 BURT ST STE 302 OMAHA, NE 68118 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $521 | — | $521 | 1.93% |
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 | 751 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 751 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE COMPANY | 1,058 | $84K |
| Life insurance | ASSURITY LIFE INSURANCE COMPANY | 752 | $304K |
| Long-term disability(2 contracts, 2 carriers) | ASSURITY LIFE INSURANCE COMPANY | 752 | $331K |
| Other(2 contracts, 2 carriers) | ASSURITY LIFE INSURANCE COMPANY | 752 | $368K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,058 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.