| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNICO GROUP INC3 | 1128 LINCOLN MALL STE 200 LINCOLN, NE 685082878 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.99% |
| UNICO GROUP INC3 | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $9K | 17.91% |
| UNICO GROUP INC3 | 1128 LINCOLN MALL STE 200 LINCOLN, NE 68508 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $611 | $10K | 21.25% |
| GARVEY & ASSOCIATES INC3 | 12110 PORT GRACE BLVD STE 201 LA VISTA, NE 68128 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 11.57% |
| UNICO GROUP INC3 | 1128 LINCOLN MALL STE 200 LINCOLN, NE 68508 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 11.23% |
| GARVEY & ASSOCIATES INC3 | 12110 PORT GRACE BLVD STE 201 LA VISTA, NE 68128 | UNION SECURITY INSURANCE COMPANY | $545 | — | $545 | 3.77% |
| UNICO GROUP INC3 | 1128 LINCOLN MALL STE 200 LINCOLN, NE 68508 | UNION SECURITY INSURANCE COMPANY | $716 | — | $716 | 6.82% |
| GARVEY & ASSOCIATES INC3 | 12110 PORT GRACE BLVD STE 201 LA VISTA, NE 68128 | UNION SECURITY INSURANCE COMPANY | $183 | — | $183 | 1.74% |
| GARVEY & ASSOCIATES INC3 | 12110 PORT GRACE BLVD STE 201 LA VISTA, NE 68128 | UNION SECURITY INSURANCE COMPANY | $872 | — | $872 | 11.86% |
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 | 178 | 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) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 180 | $58K |
| Vision | UNION SECURITY INSURANCE COMPANY | 68 | $10K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 65 | $49K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 70 | $14K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 56 | $49K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 65 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.