| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OCI INSURANCE & FINANCIAL SERVICES3 | 4221 NORTH 203RD SOUTH ELKHORN, NE 68022 | MEDICA INSURANCE COMPANY | $34K | $10K | $44K | 3.91% |
| UNICO GROUP INC3 Filed as: UNICO GROUP, INC. | 1128 LINCOLN MALL SUITE 200 LINCOLN, NE 68508 | MEDICA INSURANCE COMPANY | $3K | — | $3K | 0.29% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 PARKWAY WEST SUITE 320 BLUEBELL, PA 19422 | MEDICA INSURANCE COMPANY | — | $940 | $940 | 0.08% |
| UNICO GROUP INC3 Filed as: UNICO GROUP, INC. | 1128 LINCOLN MALL SUITE 200 LINCOLN, NE 68508 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 7.09% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 1.37% |
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 | 190 | 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) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 94 | $1.1M |
| Dental(2 contracts, 2 carriers) | MEDICA INSURANCE COMPANY | 172 | $1.2M |
| Vision(2 contracts, 2 carriers) | MEDICA INSURANCE COMPANY | 172 | $1.2M |
| Life insurance(2 contracts, 2 carriers) | MEDICA INSURANCE COMPANY | 172 | $1.2M |
| Long-term disability(2 contracts, 2 carriers) | MEDICA INSURANCE COMPANY | 172 | $1.2M |
| Other(3 contracts, 3 carriers) | MEDICA INSURANCE COMPANY | 190 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.