| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BEARENCE MANAGEMENT GROUP LLC3 Filed as: BEARENCE MANAGEMENT GROUP | 8204 S 109TH ST LA VISTA, NE 681285737 | AMERITAS LIFE INSURANCE CORP | $4K | $460 | $4K | 6.62% |
| BEARENCE MANAGEMENT GROUP LLC3 Filed as: BEARENCE MANAGEMENT GROUP | 8204 S 109TH ST LA VISTA, NE 68128 | CIGNA GROUP INSURANCE | $1K | — | $1K | 15.00% |
| BEARENCE MANAGEMENT GROUP LLC3 Filed as: BEARENCE MANAGEMENT GROUP | 8204 S 109TH ST LA VISTA, NE 68128 | CIGNA GROUP INSURANCE | $393 | — | $393 | 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 | 127 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NEBRASKA | 135 | $895K |
| Dental | AMERITAS LIFE INSURANCE CORP | 202 | $61K |
| Vision | AMERITAS LIFE INSURANCE CORP | 202 | $61K |
| Life insurance | CIGNA GROUP INSURANCE | 114 | $4K |
| Long-term disability | CIGNA GROUP INSURANCE | 114 | $10K |
| Other | CIGNA GROUP INSURANCE | 114 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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."
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.