| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNICO MIDLANDS LLC3 Filed as: UNICO GROUP INC DBA UNICO FINANCIAL | 1128 LINCOLN MALL LINCOLN, NE 68508 | AETNA LIFE INSURANCE CO. | $66K | — | $66K | 4.05% |
| UNICO GROUP INC3 | 1128 LINCOLN MALL STE 200 LINCOLN, NE 685082878 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $2K | $7K | 6.02% |
| UNICO GROUP INC3 | 1128 LINCOLN MALL STE 200 LINCOLN, NE 685082878 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $1K | $10K | 12.87% |
| UNICO GROUP INC3 Filed as: UNICO GROUP INC. | 1128 LINCOLN MALL SUITE 200 LINCOLN, NE 68508 | EYEMED VISION CARE | $3K | — | $3K | 14.98% |
| UNICO GROUP INC3 | 1128 LINCOLN MALL STE 200 LINCOLN, NE 685082878 | PRINCIPAL LIFE INSURANCE COMPANY | $653 | $133 | $786 | 11.32% |
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 | 180 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 280 | $1.6M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 323 | $113K |
| Vision | EYEMED VISION CARE | 257 | $22K |
| Life insurance(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 250 | $82K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 250 | $75K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 250 | $75K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 250 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 323 | — |
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."
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.