| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNICO MIDLANDS LLC3 | 1128 LINCOLN MALL SUITE 200 LINCOLN, NE 68508 | UNITEDHEALTHCARE INSURANCE COMPANY | $36K | — | $36K | 1.08% |
| UNICO MIDLANDS LLC3 Filed as: UNICO MIDLANDS, LLC | 7101 SOUTH 82ND STREET LINCOLN, NE 68516 | AMERITAS LIFE INSURANCE CORP. | $10K | $3K | $13K | 3.30% |
| MIDLANDS FINANCIAL BENEFITS3 | 7101 SOUTH 82ND STREET LINCOLN, NE 68516 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 6.81% |
| UNICO MIDLANDS LLC3 Filed as: UNICO MIDLANDS, LLC | 7101 SOUTH 82ND STREET LINCOLN, NE 68516 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 1.25% |
| EM-POWER SERVICES, INC.3 Filed as: EM-POWER SERVICES INC. | POST OFFICE BOX 591 OXFORD, MA 01540 | LIFESECURE INSURANCE COMPANY | $26K | — | $26K | 41.33% |
| MIDLANDS FINANCIAL BENEFITS3 | 7101 SOUTH 82ND STREET LINCOLN, NE 68516 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.00% |
| UNICO MIDLANDS LLC3 Filed as: UNICO MIDLANDS, LLC | 7101 SOUTH 82ND STREET LINCOLN, NE 68516 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $367 | $367 | 1.25% |
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 | 297 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 301 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 774 | $3.3M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 276 | $383K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 276 | $383K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 297 | $106K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 297 | $106K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 774 | $3.3M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 297 | $198K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 774 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.