| 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 | $71K | — | $71K | 18.28% |
| UNICO GROUP INC3 Filed as: UNICO GROUP INC. | 1128 LINCOLN MALL STE 200 LINCOLN, NE 68508 | AMERITAS LIFE INSURANCE COMPANY | $4K | $848 | $5K | 4.16% |
| UNICO GROUP INC3 Filed as: UNICO GROUP INC. | 1128 LINCOLN MALL STE 200 LINCOLN, NE 68508 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 15.00% |
| NICHOLAS F. KELLEY3 | 17110 MARCY ST STE 104 OMAHA, NE 68118 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $144 | — | $144 | 0.58% |
| CORBIN L. LAMBERT3 | 17117 BURT ST STE 302 OMAHA, NE 68118 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $49 | — | $49 | 0.20% |
| DAVID J MEANS3 Filed as: DAVID J. MEANS | 100 S 5TH STREET STE 2300 MINNEAPOLIS, MN 554021230 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $49 | — | $49 | 0.20% |
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 | 895 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 895 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE COMPANY | 1,232 | $121K |
| Life insurance | ASSURITY LIFE INSURANCE COMPANY | 911 | $386K |
| Long-term disability(2 contracts, 2 carriers) | ASSURITY LIFE INSURANCE COMPANY | 911 | $411K |
| Other(2 contracts, 2 carriers) | ASSURITY LIFE INSURANCE COMPANY | 911 | $456K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,232 | — |
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.