| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OCI INSURANCE & FINANCIAL SERVICES3 | 4221 N 203RD ST, SUITE 200 ELKHORN, NE 68022 | MEDICA INSURANCE COMPANY | $35K | $13K | $48K | 7.11% |
| OCI INSURANCE & FINANCIAL SERVICES3 | 4221 N 203RD ST, SUITE 200 ELKHORN, NE 680223474 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | — | $9K | 10.08% |
| UNICO GROUP INC3 Filed as: UNICO GROUP | 1128 LINCOLN MALL, SUITE 200 LINCOLN, NE 68508 | ASSURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 16.79% |
| OCI INSURANCE & FINANCIAL SERVICES3 Filed as: OCI SOLUTIONS LLC | 4221 N 203RD ST, SUITE 200 ELKHORN, NE 68022 | ASSURITY LIFE INSURANCE COMPANY | $761 | — | $761 | 4.88% |
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 | 122 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 81 | $681K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 121 | $89K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 121 | $89K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 121 | $89K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 121 | $89K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 121 | $89K |
| Other(2 contracts, 2 carriers) | ASSURITY LIFE INSURANCE COMPANY | 120 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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.