| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNICO MIDLANDS LLC3 | 1128 LINCOLN MALL, STE 200 LINCOLN, NE 68508 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 9.91% |
| MIDLANDS FINANCIAL BENEFITS3 | 7101 SOUTH 82ND STREET LINCOLN, NE 68516 | ZURICH AMERICAN INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| UNICO MIDLANDS LLC3 | 1128 LINCOLN MALL, STE 200 LINCOLN, NE 68508 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| UNICO MIDLANDS LLC3 | 1128 LINCOLN MALL, STE 200 LINCOLN, NE 68508 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 9.38% |
| UNICO GROUP INC3 Filed as: UNICO GROUP INC. | 1128 LINCOLN MALL, SUITE 200 LINCOLN, NE 68508 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 9.12% |
| UNICO GROUP INC3 Filed as: UNICO GROUP INC. | 4435 O STREET LINCOLN, NE 68510 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $164 | — | $164 | 0.83% |
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 | 189 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 340 | $2.5M |
| Dental | BLUE CROSS BLUE SHIELD | 340 | $2.5M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 317 | $20K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 189 | $22K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 189 | $41K |
| Other(3 contracts, 2 carriers) | ZURICH AMERICAN INSURANCE COMPANY | 225 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 340 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.