| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNICO GROUP INC3 Filed as: UNICO GROUP | 1128 LINCOLN MALL SUITE 200 LINCOLN, NE 68508 | BLUECROSS BLUESHIELD OF NEBRASKA | $49K | — | $49K | 5.47% |
| UNICO GROUP INC3 | 1128 LINCOLN MALL SUITE 200 LINCOLN, NE 68508 | AMERITAS LIFE INSURANCE CORPORATION | $4K | $2K | $6K | 6.92% |
| UNICO GROUP INC3 | 1128 LINCON MALL SUITE 200 LINCOLN, NE 68508 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $464 | $464 | 1.25% |
| UNICO GROUP INC3 | 1128 LINCOLN MALL SUITE 200 LINCOLN, NE 68508 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $315 | $315 | 1.25% |
| UNICO GROUP INC3 | — | ASSUIRTY LIFE INSURANCE COMPANY | $2K | — | $2K | 8.26% |
| UNICO GROUP INC3 Filed as: UNICO GROUP | — | ASSURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 19.56% |
| UNICO GROUP INC3 | 1128 LINCOLN MALL SUITE 200 LINCOLN, NE 68508 | AMERITAS LIFE INSURANCE COPRPORATION | — | $260 | $260 | 1.88% |
| UNICO GROUP INC3 | 1128 LINCOLN MALL SUITE 200 LINCOLN, NE 68508 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $145 | $145 | 1.25% |
| UNICO GROUP INC3 Filed as: UNICO GROUP LLC | 1128 LINCOLN MALL SUITE 200 LINCOLN, NE 68508 | ASSURITY LIFE INSURANCE COMPANY | $234 | — | $234 | 7.53% |
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 | 112 | 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) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF NEBRASKA | 95 | $891K |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 231 | $89K |
| Vision | AMERITAS LIFE INSURANCE COPRPORATION | 162 | $14K |
| Life insurance(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 112 | $64K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 32 | $12K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 112 | $37K |
| Other(6 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 127 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.