| 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 | $0 | $10K | 20.00% |
| UNICO GROUP INC3 | 1128 LINCOLN MALL STE 200 LINCOLN, NE 68508 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 15.00% |
| UNICO GROUP INC3 | 1128 LINCOLN MALL STE 200 LINCOLN, NE 68508 | SUN LIFE INSURANCE COMPANY OF CANADA | $4K | $0 | $4K | 14.98% |
| UNICO GROUP INC3 | 1128 LINCOLN MALL STE 200 LINCOLN, NE 68508 | SUN LIFE INSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 12.46% |
| UNICO GROUP INC3 | 1128 LINCOLN MALL STE 200 LINCOLN, NE 68508 | SUN LIFE INSURANCE COMPANY OF CANADA | $741 | $0 | $741 | 8.90% |
| UNICO GROUP INC3 | 1128 LINCOLN MALL STE 200 LINCOLN, NE 68508 | SUN LIFE INSURANCE COMPANY OF CANADA | $829 | $829 | $2K | 27.90% |
| LINUS G HUMPAL3 | THE BENEFIT GROUP, INC. 11906 ARBOR ST STE 100 OMAHA, NE 68144 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $297 | $0 | $297 | 10.00% |
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 | 227 | 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) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | SUN LIFE INSURANCE COMPANY OF CANADA | 61 | $8K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 82 | $47K |
| Short-term disability | SUN LIFE INSURANCE COMPANY OF CANADA | 61 | $24K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 76 | $49K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 82 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 82 | — |
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.