| 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 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $2K | $16K | 13.69% |
| UNICO GROUP INC3 Filed as: UNICO GROUP INC. | 1128 LINCOLN MALL SUITE 200 LINCOLN, NE 68508 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $7K | $12K | 13.61% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| APTA HEALTH EIN 47-4033163 BROKER | Insurance agents and brokers Service code 22 | 11755 E PEAKVIEW AVE ENGLEWOOD, CO 80111 | $75K |
| MERITAIN HEALTH EIN 16-1264154 TPA | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | 1405 EXENIUM LANE NORTH SUITE 140 MINNEAPOLIS, MN 55441 | $53K |
| 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 | 178 | 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. |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 239 | $87K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 239 | $87K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 163 | $114K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 163 | $114K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 163 | $114K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 163 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.