| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNICO GROUP INC3 Filed as: UNICO GROUP, INC. | 1128 LINCOLN MALL STE 200 LINCOLN, NE 68508 | HARTFORD LIFE & ACCIDENT | $11K | — | $11K | 3.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | 400 HWY 169 SOUTH ST. LOUIS PARK, MN 55426 | HARTFORD LIFE & ACCIDENT | $9K | — | $9K | 3.00% |
| UNICO GROUP INC3 Filed as: UNICO GROUP INC. | 1128 LINCOLN MALL STE 200 LINCOLN, NE 68508 | HARTFORD LIFE & ACCIDENT | — | $8K | $8K | 2.67% |
| UNICO GROUP INC3 Filed as: UNICO GROUP INC. | 1128 LINCOLN MALL SUITE 200 LINCOLN, NE 68508 | HARTFORD LIFE AND ACCIDENT | $4K | $655 | $5K | 8.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVC OF MN | 400 HWY 169 SOUTH ST. LOUIS PARK, MN 55426 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 7.72% |
| UNICO GROUP INC3 Filed as: UNICO GROUP INC. | 1128 LINCOLN MALL SUITE 200 LINCOLN, NE 68508 | HARTFORD LIFE AND ACCIDENT | $2K | $450 | $3K | 8.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVC OF MN | 400 HWY 169 SOUTH ST. LOUIS PARK, MN 55426 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 7.61% |
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 | 665 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 665 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE & ACCIDENT | 573 | $313K |
| Short-term disability | HARTFORD LIFE & ACCIDENT | 573 | $313K |
| Long-term disability | HARTFORD LIFE & ACCIDENT | 573 | $313K |
| Other(2 contracts) | HARTFORD LIFE AND ACCIDENT | 665 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 665 | — |
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.