| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERMOUNTAIN INSURANCE SERVICES3 Filed as: INTERMOUNTAIN UNDERWRITERS, INC | 2806 S. GARFIELD STREET SUITE 1200 MISSOULA, MT 59806 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $23K | — | $23K | 5.00% |
| UNICO GROUP INC3 | 1128 LINCOLN MALL STE 200 LINCOLN, NE 685082878 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $4K | $12K | 10.20% |
| CES INSURANCE, INC3 | 29 SAWYER RD. WALTHAM, MA 02453 | GENWORTH LIFE INSURANCE COMPANY | $5K | — | $5K | 10.96% |
| UNIFIED EMPLOYEE BENEFITS3 | 1640 S 70TH ST #200 LINCOLN, NE 68506 | ASSURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 9.74% |
| UNICO GROUP INC3 | 1128 LINCOLN MALL STE 200 LINCOLN, NE 685082878 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $521 | $3K | 17.80% |
| CES INSURANCE, INC3 | 29 SAWYER RD. WALTHAM, MA 02453 | GENWORTH LIFE INSURANCE COMPANY | $883 | — | $883 | 26.35% |
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 | 129 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 52 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 171 | $458K |
| Life insurance(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 353 | $140K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 353 | $121K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 353 | $121K |
| Other(5 contracts, 4 carriers) | GENWORTH LIFE INSURANCE COMPANY | 140 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 353 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.