| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNICO GROUP INC3 Filed as: UNICO GROUP, INC. | 1128 LINCOLN MALL STE 200 LINCOLN, NE 685082878 | MEDICA INSURANCE COMPANY | $22K | — | $22K | 2.59% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS OF OMAHA | 8204 S. 109TH ST. LA VISTA, NE 68128 | MEDICA INSURANCE COMPANY | $17K | — | $17K | 1.99% |
| OCI INSURANCE & FINANCIAL SERVICES3 | 4221 N 203RD ST STE 200 ELKHORN, NE 680223474 | MEDICA INSURANCE COMPANY | — | $12K | $12K | 1.49% |
| OCI INSURANCE & FINANCIAL SERVICES3 | 4221 N 203RD ST STE 200 ELKHORN, NE 680223474 | MEDICA INSURANCE COMPANY | — | $4K | $4K | 0.48% |
| UNICO GROUP INC3 | 1128 LINCOLN MALL STE 200 LINCOLN, NE 685082878 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 5.50% |
| NORTH RISK PARTNERS LLC3 | 4221 N 203RD ST STE 200 ELKHORN, NE 680223474 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 4.66% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS, LLC | 1045 76TH ST STE 4000 WEST DES MOINES, IA 502665841 | PRINCIPAL LIFE INSURANCE COMPANY | — | $3K | $3K | 3.03% |
| OCI INSURANCE & FINANCIAL SERVICES3 Filed as: OCI INS AND FINANCIAL SERVICES | 4221 N. 203RD ST STE 200 ELKHORN, NE 680223474 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.68% |
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 | 111 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 86 | $838K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 164 | $91K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 164 | $91K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 164 | $91K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 164 | $91K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 164 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.