| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNICO GROUP INC3 | 1128 LINCOLN MALL STE 200 LINCOLN, NE 68508 | BLUE CROSS BLUE SHIELD NEBRASKA | $17K | $5K | $22K | 1.86% |
| AON CONSULTING INC3 Filed as: AON | — | BLUE CROSS BLUE SHIELD NEBRASKA | $8K | — | $8K | 0.68% |
| FIRST INSURANCE GROUP LLC3 | WILLIAMS DERAS 14010 FNB PKWY STE 300 OMAHA, NE 68154 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 4.28% |
| MICHAEL R WILLIAMS3 | 14010 FNB PKWY #300 OMAHA, NE 68154 | STANDARD INSURANCE COMPANY | $615 | $0 | $615 | 0.71% |
| KEITH A DERAS3 | 10040 REGENCY CIR #345 OMAHA, NE 68114 | STANDARD INSURANCE COMPANY | $614 | $0 | $614 | 0.71% |
| WILLIAMS DERAS AND ASSOC3 | 14010 FNB PKWY STE 300 OMAHA, NE 68154 | STANDARD INSURANCE COMPANY | $55 | $0 | $55 | 0.06% |
| UNICO GROUP INC3 | 1128 LINCOLN MALL STE 200 LINCOLN, NE 68508 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $1K | $7K | 14.23% |
| UNICO GROUP INC3 Filed as: UNICO GROUP, INC | 1128 LINCOLN MALL STE 200 LINCOLN, NE 68508 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 15.00% |
| UNICO GROUP INC3 Filed as: UNICO GROUP, INC | 1128 LINCOLN MALL STE 200 LINCOLN, NE 68508 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.66% |
| FIRST INSURANCE GROUP LLC3 | WILLIAMS DERAS 14010 FNB PKWY STE 300 OMAHA, NE 68154 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 7.13% |
| MICHAEL R WILLIAMS3 | 14010 FNB PKWY #300 OMAHA, NE 68154 | STANDARD INSURANCE COMPANY | $221 | $0 | $221 | 1.55% |
| KEITH A DERAS3 | 10040 REGENCY CIR #345 OMAHA, NE 68114 | STANDARD INSURANCE COMPANY | $220 | $0 | $220 | 1.54% |
| UNICO GROUP INC3 | 1128 LINCOLN MALL STE 200 LINCOLN, NE 68508 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $107 | $1K | 11.35% |
| UNICO GROUP INC3 Filed as: UNICO GROUP, INC | 1128 LINCOLN MALL STE 200 LINCOLN, NE 68508 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
| UNICO GROUP INC3 Filed as: UNICO GROUP, INC | 1128 LINCOLN MALL STE 200 LINCOLN, NE 68508 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $206 | $206 | 2.35% |
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 | 133 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD NEBRASKA | 120 | $1.2M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 133 | $46K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 127 | $10K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 111 | $9K |
| Short-term disability | STANDARD INSURANCE COMPANY | 19 | $14K |
| Long-term disability | STANDARD INSURANCE COMPANY | 109 | $87K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 111 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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.