| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLEGIANCE BENEFIT PLAN MANAGEMENT3 Filed as: ALLEGIANCE BENEFIT PLAN MANAGEMENT, | PO BOX 3018 MISSOULA, MT 598063018 | BERKLEY LIFE AND HEALTH INSURANCE, CO. | — | $22K | $22K | 4.00% |
| UNICO GROUP INC3 | 1128 LINCOLN MALL STE 200 LINCOLN, NE 685082878 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | $4K | $13K | 8.74% |
| CES INSURANCE, INC3 | 29 SAWYER RD. WALTHAM, MA 02453 | GENWORTH LIFE INSURANCE COMPANY | $2K | — | $2K | 4.63% |
| UNICO GROUP INC3 | 1128 LINCOLN MALL STE 200 LINCOLN, NE 685082878 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $602 | $3K | 18.11% |
| LINCOLN CAPITAL SOLUTIONS, LLC3 Filed as: LINCOLN CAPITAL SOLUTIONS | 2000 Q ST LINCOLN, NE 68503 | ASSURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 11.27% |
| CES INSURANCE, INC3 | 29 SAWYER RD. WALTHAM, MA 02453 | GENWORTH LIFE INSURANCE COMPANY | $2K | — | $2K | 29.70% |
| UNICO GROUP INC3 | 1128 LINCOLN MALL STE 200 LINCOLN, NE 68508 | HARTFORD FIRE INSURANCE COMPANY | $431 | — | $431 | 15.00% |
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 | 122 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 61 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 373 | $173K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 373 | $154K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 373 | $154K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE, CO. | 174 | $554K |
| Other(5 contracts, 4 carriers) | GENWORTH LIFE INSURANCE COMPANY | 178 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 373 | — |
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.