| 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 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | — | $14K | — |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP | 5110 NORTH 40 STE 234 PHOENIX, AZ 85018 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| APTA HEALTH EIN 47-4033163 CARE COORDINATION VENDOR | Insurance agents and brokers Service code 22 | 11755 E PEAKVIEW AVE ENGLEWOOD, CA 80111 | $59K |
| MERITAIN HEALTH EIN 16-1264154 TPA | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator Service code 12 | 1405 XENIUM LANE NORTH STE 140 MINNEAPOLIS, MN 55441 | $40K |
| NOVO BENEFITS EIN 46-1359884 BROKER | Insurance agents and brokers Service code 22 | 1755 E PEAKVIEW AVE STE 250 ENGLEWOOD, CO 80111 | $15K |
| UNICO GROUP, INC. EIN 47-0719624 BROKER | Insurance agents and brokers Service code 22 | 1128 LINCOLN MALL STE 200 LINCOLN, NE 68508 | $11K |
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 | 172 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 256 | $0 |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 256 | $0 |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 256 | $0 |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 256 | $0 |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 256 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 256 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.