| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNICO GROUP INC3 | 1128 LINCOLN MALL STE 200 LINCOLN, NE 68508 | AMERICAN FIDELITY | $30K | — | $30K | 9.75% |
| AUXIANT5 | 424 FIRST AVENUE NE CEDAR RAPIDS, IA 52401 | AMERICAN FIDELITY | — | $11K | $11K | 3.68% |
| UNICO GROUP INC3 | 1128 LINCOLN MALL, STE 200 LINCOLN, NE 68508 | AMERITAS LIFE INSURANCE CORP | $3K | — | $3K | 3.62% |
| UNICO GROUP INC3 | 1128 LINCOLN MALL, STE 200 LINCOLN, NE 68508 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 6.10% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE USA | 122 SOUTH MICHIGAN AVENUE, STE 1100 CHICAGO, IL 60603 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $53 | $53 | 0.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MOUNTAIN STATES | PO BOX 5099 TWIN FALLS, ID 83303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $138 | $2K | 10.78% |
| ROBERT ELLIS3 | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $331 | $89 | $420 | 2.25% |
| KRISTI LYN HOVIE3 Filed as: KRISTI HOVIE | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $242 | $93 | $335 | 1.79% |
| THOMAS FULLER3 | 1830 BRENT BLVD LINCOLN, NE 68506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $301 | — | $301 | 1.61% |
| INSPRO INC3 | PO BOX 689 FREMONT, NE 68025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $258 | — | $258 | 1.38% |
| GRUND BENEFIT ADVISORS LLC3 | 14669 MEREDITH AVE OMAHA, NE 68116 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $189 | $29 | $218 | 1.17% |
| ELITE ADMINISTRATION3 | 313 HARKINS BLUFF DR GREER, SC 29651 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.14% |
| KAMI L STANLEY3 Filed as: KAMI STANLEY | 4520 S 49TH ST LINCOLN, NE 68516 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $7 | $20 | 0.11% |
| JERRY A EDGAR3 Filed as: JERRY EDGAR | 7021 S 38TH ST LINCOLN, NE 68516 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| DEAN W FORNOFF3 Filed as: DEAN FORNOFF | 16041 BUFFALO RD SPRINGFIELD, NE 68059 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| UNICO GROUP INC3 | 1128 LINCOLN MALL STE 200 LINCOLN, NE 68508 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 9.91% |
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 | 97 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 97 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP | 228 | $82K |
| Life insurance(3 contracts, 3 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 155 | $74K |
| Long-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 155 | $39K |
| Stop-loss / reinsurancereinsurance | AMERICAN FIDELITY | 108 | $311K |
| Other | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 155 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.