| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSPRO INC3 Filed as: INSPRO INSURANCE | P.O. BOX 689 FREMONT, NE 68026 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $4K | $7K | 11.40% |
| INSPRO INC3 | 100 EAST 6TH STREET FREMONT, NE 68025 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 8.38% |
| INSPRO INC3 Filed as: INSPRO INSURANCE | PO BOX 689 FREMONT, NE 68026 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.80% |
| UNICO GROUP INC3 | 1128 LINCOLN MALL SUITE 200 LINCOLN, NE 68508 | PRINCIPAL LIFE INSURANCE COMPANY | $505 | — | $505 | 1.43% |
| INSPRO INC3 | 100 EAST 6TH STREET FREMONT, NE 68025 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| UNICO GROUP INC3 | 1128 LINCOLN MALL SUITE 200 LINCOLN, NE 68508 | EYEMED VISION CARE | $702 | — | $702 | 9.35% |
| UNICO MIDLANDS LLC3 | 1128 LINCOLN MALL SUITE 200 LINCOLN, NE 68508 | EYEMED VISION CARE | $104 | — | $104 | 1.39% |
| INSPRO INC3 | 100 EAST 6TH STREET FREMONT, NE 68025 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $421 | — | $421 | 11.01% |
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 | 111 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF NEBRASKA | 102 | $1.1M |
| Dental(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 104 | $98K |
| Vision | EYEMED VISION CARE | 131 | $8K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 106 | $39K |
| Short-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 106 | $71K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 106 | $44K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 106 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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.
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.