| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BETTENHAUSEN INSURANCE SERVICES LLC3 | 6041 VILLAGE DR #100 LINCOLN, NE 68516 | BLUE CROSS AND BLUE SHIELD OF NEBRASKA | $45K | $21K | $66K | 6.46% |
| BETTENHAUSEN INSURANCE SERVICES LLC3 | 6041 VILLAGE DR #100 LINCOLN, NE 68516 | AMERITAS LIFE INSURANCE CORP | $5K | — | $5K | 10.00% |
| BETTENHAUSEN INSURANCE SERVICES LLC3 | 6041 VILLAGE DR #100 LINCOLN, NE 68516 | THE LINCOLN NATIONAL LIFE INSURACE COMPANY | $5K | — | $5K | 10.00% |
| BETTENHAUSEN INSURANCE SERVICES LLC3 | 6041 VILLAGE DR #100 LINCOLN, NE 68516 | THE LINCOLN NATIONAL LIFE INSURACE COMPANY | $2K | — | $2K | 10.00% |
| BETTENHAUSEN INSURANCE SERVICES LLC3 | 6041 VILLAGE DR #100 LINCOLN, NE 68516 | AMERITAS LIFE INSURANCE CORP | $2K | — | $2K | 10.00% |
| BETTENHAUSEN INSURANCE SERVICES LLC3 | 6041 VILLAGE DR #100 LINCOLN, NE 68516 | THE LINCOLN NATIONAL LIFE INSURACE COMPANY | $1K | — | $1K | 6.57% |
| BETTENHAUSEN INSURANCE SERVICES LLC3 | 6041 VILLAGE DR #100 LINCOLN, NE 68516 | THE LINCOLN NATIONAL LIFE INSURACE COMPANY | $669 | — | $669 | 10.00% |
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 | 153 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NEBRASKA | 88 | $1.0M |
| Dental | AMERITAS LIFE INSURANCE CORP | 78 | $54K |
| Vision | AMERITAS LIFE INSURANCE CORP | 74 | $16K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURACE COMPANY | 68 | $34K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURACE COMPANY | 27 | $7K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURACE COMPANY | 153 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.