| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERMOUNTAIN INSURANCE SERVICES3 Filed as: INTERMOUNTAIN UNDERWRITERS, INC. | PO BOX 2473 MISSOULA, MT 598062473 | TOKIO MARINE HCC A&H GROUP | — | $21K | $21K | 3.66% |
| UNICO GROUP INC3 | 1128 LINCOLN MALL STE 200 LINCOLN, NE 685082878 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | $5K | $15K | 8.48% |
| CES INSURANCE, INC3 | 29 SAWYER RD. WALTHAM, MA 02453 | GENWORTH LIFE INSURANCE COMPANY | $1K | — | $1K | 2.44% |
| UNICO GROUP INC3 | 1128 LINCOLN MALL STE 200 LINCOLN, NE 685082878 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $576 | $4K | 17.72% |
| LINCOLN CAPITAL SOLUTIONS, LLC3 Filed as: LINCOLN CAPITAL SOLUTIONS | 2000 Q ST LINCOLN, NE 68503 | ASSURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 10.73% |
| MOLLY MABRY SCHOLL3 | 2900 S 70TH ST LINCOLN, NE 685063689 | ASSURITY LIFE INSURANCE COMPANY | $7 | — | $7 | 0.04% |
| CES INSURANCE, INC3 | 29 SAWYER RD. WALTHAM, MA 02453 | GENWORTH LIFE INSURANCE COMPANY | $2K | — | $2K | 23.43% |
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 | 63 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 375 | $196K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 375 | $175K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 375 | $175K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE HCC A&H GROUP | 175 | $576K |
| Other(5 contracts, 4 carriers) | GENWORTH LIFE INSURANCE COMPANY | 250 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 375 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.