| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST INSURANCE GROUP LLC3 | 14010 FNB PARKWAY, SUITE 300 OMAHA, NE 68145 | BLUE CROSS AND BLUE SHIELD OF NEBRASKA | $34K | — | $34K | 2.76% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 441 DES MOINES, IA 50302 | BLUE CROSS AND BLUE SHIELD OF NEBRASKA | $9K | $4 | $9K | 0.71% |
| FIRST INSURANCE GROUP LLC3 | 14010 FNB PARKWAY, SUITE 300 OMAHA, NE 68145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.58% |
| PROLIANT INC3 | 1100 ABERNATHY ROAD, SUITE 1000 ATLANTA, GA 30328 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 2.00% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 441 DES MOINES, IA 50302 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $187 | — | $187 | 0.30% |
| FIRST INSURANCE GROUP LLC3 | 14010 FNB PARKWAY, SUITE 300 OMAHA, NE 68145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.21% |
| PROLIANT INC3 | 1100 ABERNATHY ROAD, SUITE 1000 ATLANTA, GA 30328 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 441 DES MOINES, IA 50302 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $183 | — | $183 | 0.55% |
| FIRST INSURANCE GROUP LLC3 | 14010 FNB PARKWAY, SUITE 300 OMAHA, NE 68145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $686 | — | $686 | 4.90% |
| PROLIANT INC3 | 1100 ABERNATHY ROAD, SUITE 1000 ATLANTA, GA 30328 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $280 | $280 | 2.00% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 441 DES MOINES, IA 50302 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $154 | — | $154 | 1.10% |
| FIRST INSURANCE GROUP LLC3 | 14010 FNB PARKWAY, SUITE 300 OMAHA, NE 68145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 12.25% |
| PROLIANT INC3 | 1100 ABERNATHY ROAD, SUITE 1000 ATLANTA, GA 30328 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $629 | $629 | 5.00% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 441 DES MOINES, IA 50302 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $346 | — | $346 | 2.75% |
| FIRST INSURANCE GROUP LLC3 | 14010 FNB PARKWAY, SUITE 300 OMAHA, NE 68145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $535 | — | $535 | 12.04% |
| PROLIANT INC3 | 1100 ABERNATHY ROAD, SUITE 1000 ATLANTA, GA 30328 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $222 | $222 | 4.99% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 441 DES MOINES, IA 50302 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $132 | — | $132 | 2.97% |
| FIRST INSURANCE GROUP LLC3 | 14010 FNB PARKWAY, SUITE 300 OMAHA, NE 68145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $451 | — | $451 | 10.59% |
| PROLIANT INC3 | 1100 ABERNATHY ROAD, SUITE 1000 ATLANTA, GA 30328 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $213 | $213 | 5.00% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 441 DES MOINES, IA 50302 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $109 | — | $109 | 2.56% |
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 | 190 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NEBRASKA | 243 | $1.2M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 145 | $63K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 118 | $14K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 190 | $17K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 116 | $33K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 20 | $4K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 190 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.