| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNICO GROUP INC3 Filed as: UNICO GROUP | 1128 LINCOLN MALL #200 LINCOLN, NE 68508 | AMERICAN NATIONAL INSURANCE | — | $29K | $29K | 12.05% |
| AUXIANT3 | PO BOX 75008 CEDAR RAPIDS, IA 52407 | AMERICAN NATIONAL INSURANCE | $8K | — | $8K | 3.19% |
| UNICO MIDLANDS LLC3 | 7101 SOUTH 82ND STREET LINCOLN, NE 68516 | DELTA DENTAL OF NEBRASKA | $2K | — | $2K | 5.08% |
| UNICO MIDLANDS LLC3 | 1128 LINCOLN MALL SUITE 200 LINCOLN, NE 68508 | DELTA DENTAL OF NEBRASKA | $1K | — | $1K | 3.17% |
| UNICO GROUP INC3 Filed as: UNICO GROUP INC. | 1128 LINCOLN MALL SUITE 200 LINCOLN, NE 68508 | DELTA DENTAL OF NEBRASKA | $397 | — | $397 | 0.85% |
| UNICO MIDLANDS LLC3 | 7101 SOUTH 82ND STREET LINCOLN, NE 68516 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| UNICO MIDLANDS LLC3 | 1128 LINCOLN MALL SUITE 200 LINCOLN, NE 68508 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 6.44% |
| UNICO GROUP INC3 | 1128 LINCOLN MALL SUITE 200 LINCOLN, NE 68508 | PRINCIPAL LIFE INSURANCE COMPANY | $505 | — | $505 | 9.99% |
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 | 147 | 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) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEBRASKA | 91 | $47K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 66 | $5K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 147 | $16K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 140 | $36K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 140 | $36K |
| Stop-loss / reinsurancereinsurance | AMERICAN NATIONAL INSURANCE | 115 | $244K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 147 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.