A character that has joined a unit cannot be hit by enemy shooting unless:
They are targeted by an attack that allows a specific model within a unit to be targeted.
They find themselves lying underneath a template.
There are fewer than five rank and file models in the unit.
If there are fewer than five rank and file models in the unit, the controlling player must first allocate hits to the unit until one hit has been allocated to each model it contains. Any remaining hits are divided as equally as possible between the character(s) and the unit.