| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNICO GROUP INC3 | 1128 LINCOLN MALL STE 200 LINCOLN, NE 68508 | HCC LIFE INSURANCE COMPANY | — | $38K | $38K | 7.88% |
| AUXIANT5 | 424 FIRST AVE NE CEDAR RAPIDS, IA 52401 | HCC LIFE INSURANCE COMPANY | $19K | — | $19K | 3.98% |
| UNICO GROUP INC Filed as: UNICO GROUP | 1128 LINCOLN MALL STE 200 LINCOLN, NE 68508 | PRUDENTIAL | $3K | — | $3K | 6.08% |
| IMG | 2960 NORTH MERIDIAN ST INDIANAPOLIS, IN 46208 | PRUDENTIAL | — | $30 | $30 | 0.06% |
| UNICO GROUP INC3 | 1128 LINCOLN MALL STE 200 LINCOLN, NE 68508 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 10.55% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTERNATIONAL MOUNTAIN STATES | PO BOX 5099 TWIN FALLS, ID 83303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $497 | — | $497 | 5.03% |
| UNICO GROUP INC Filed as: UNICO INC | 1128 LINCOLN MALL STE 200 LINCOLN, NE 68508 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $358 | — | $358 | 3.62% |
| THOMAS W BOSTON Filed as: THOMAS D FULLER | 1830 BRENT BLVD LINCOLN, NE 68506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $138 | — | $138 | 1.40% |
| ROBERT G. RELPH AGENCY, INC. Filed as: ROBERT E ELLIS | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $105 | $17 | $122 | 1.23% |
| HOVIE AGENCY LLC | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $88 | $16 | $104 | 1.05% |
| KRIS LOBERG | 1128 LINCOLN MALL STE 200 LINCOLN, NE 68508 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $99 | — | $99 | 1.00% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCIENNAN AGENCY LLC | PO BOX 689 FREMONT, NE 68025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | — | $66 | 0.67% |
| INSPRO INC | PO BOX 689 FREMONT, NE 68025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | — | $53 | 0.54% |
| AMANDA M GRIFFITH Filed as: AMANDA JEANNE KANE | 7505 SE VANDALIA DR RUNNELLS, IA 50237 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | $4 | $45 | 0.46% |
| BROOMFIELD LLC | PO BOX 74 MCCOOK, NE 69001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $11 | $26 | 0.26% |
| KEVIN MURPHY Filed as: KEVIN ARMSTRONG INSURANCE INC | 4027 WEST FAIDLEY GRAND ISLAND, NE 68803 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $10 | $25 | 0.25% |
| WORLD INSURANCE ASSOCIATES LLC Filed as: KLH INSURANCE AGENCY | 6505 DEMPSEY AVE SW WAVERLY, MN 55390 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $2 | $18 | 0.18% |
| JERRY A EDGAR | 604 SOUTH MARKET STREET SHICKLEY, NE 68436 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.12% |
| ROBERT LEE SHERRICK | 9635 CAMDEN AVE OMAHA, NE 68134 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.12% |
| MARC A GROVE | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $3 | $5 | 0.05% |
| GRUND BENEFIT ADVISORS LLC Filed as: GRUND BENEFIT ADVISORTS LLC | 14669 MEREDITH AVE OMAHA, NE 68116 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.05% |
| KAMI L STANLEY | 3303 S. 79TH ST LINCOLN, NE 68506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.05% |
| ELITE ADMINISTRATION | 313 HARKINS BLUFF DRIVE GREER, SC 29651 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.04% |
| CHERYL SHERRICK | 9635 CAMDEN AVE OMAHA, NE 68134 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.04% |
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 | 171 | 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) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL | 171 | $60K |
| Short-term disability | PRUDENTIAL | 171 | $50K |
| Long-term disability(2 contracts, 2 carriers) | PRUDENTIAL | 185 | $71K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 118 | $488K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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.
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.