| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST INSURANCE GROUP LLC3 | 14010 FNB PKWY STE 300 OMAHA, NE 68154 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 6.46% |
| UNICO GROUP INC3 Filed as: UNICO GROUP | 1128 LINCOLN MALL STE 200 LINCOLN, NE 68508 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $1K | $6K | 12.55% |
| UNICO GROUP INC3 Filed as: UNICO GROUP | 1128 LINCOLN MALL STE 200 LINCOLN, NE 68508 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 20.81% |
| WATCHTOWER BENEFITS, LLC5 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $488 | $488 | 1.50% |
| FIRST INSURANCE GROUP LLC3 Filed as: FIRST INSURANCE GROUP | 14010 FNB PWKY STE 300 OMAHA, NE 68154 | STANDARD INSURANCE COMPANY | $2K | $184 | $2K | 9.57% |
| UNICO GROUP INC3 Filed as: UNICO GROUP | 1128 LINCOLN MALL STE 200 LINCOLN, NE 68508 | PRINCIPAL LIFE INSURANCE COMPANY | $885 | $149 | $1K | 10.52% |
| UNICO GROUP INC3 Filed as: UNICO GROUP, INC | 1128 LINCOLN MALL STE 200 LINCOLN, NE 68508 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $486 | $2K | 21.31% |
| WATCHTOWER BENEFITS, LLC5 Filed as: WATCHTOWER BENEFITS LLC | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $116 | $116 | 1.50% |
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 | 128 | 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) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 121 | $49K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 128 | $10K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 102 | $8K |
| Short-term disability | STANDARD INSURANCE COMPANY | 21 | $19K |
| Long-term disability | STANDARD INSURANCE COMPANY | 100 | $78K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 102 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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.