| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNICO GROUP INC3 | 1128 LINCOLN MALL STE 200 LINCOLN, NE 68508 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $1K | $11K | 23.47% |
| GARVEY & ASSOCIATES INC3 | 12110 PORT GRACE BLVD STE 201 LA VISTA, NE 68128 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 8.16% |
| GARVEY & ASSOCIATES INC3 | 12110 PORT GRACE BLVD STE 201 LA VISTA, NE 68128 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| GARVEY & ASSOCIATES INC3 | 12110 PORT GRACE BLVD STE 201 LA VISTA, NE 68128 | UNION SECURITY INSURANCE COMPANY | $874 | — | $874 | 8.61% |
| GARVEY & ASSOCIATES INC3 | 12110 PORT GRACE BLVD STE 201 LA VISTA, NE 68128 | UNION SECURITY INSURANCE COMPANY | $874 | — | $874 | 10.64% |
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 | 155 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNION SECURITY INSURANCE COMPANY | 68 | $10K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 236 | $36K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 74 | $15K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 61 | $46K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 236 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.