| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BHC NEXT LLC DBA BHC INSURANCE3 | PO BOX 3529 FORT SMITH, AR 72913 | ARKANSAS BLUE CROSS AND BLUE SHIELD | — | $746K | $746K | 19.97% |
| BHC NEXT LLC DBA BHC INSURANCE3 | P.O. BOX 3529 FORT SMITH, AR 72913 | DELTA DENTAL PLAN OF ARKANSAS | $15K | — | $15K | 9.80% |
| BHC NEXT LLC DBA BHC INSURANCE3 | 5500 EUPER LN FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 14.39% |
| BHC NEXT LLC DBA BHC INSURANCE3 | 5500 EUPER LN FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 14.39% |
| BHC NEXT LLC DBA BHC INSURANCE3 | 5500 EUPER LN FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 13.38% |
| BHC NEXT LLC DBA BHC INSURANCE3 | 5500 EUPER LN FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $412 | $2K | 12.54% |
| BHC NEXT LLC DBA BHC INSURANCE3 | 5500 EUPER LN FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $208 | $2K | 21.91% |
| BHC NEXT, LLC3 | 5500 EUPER LN FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $435 | $1K | 14.24% |
| BHC NEXT LLC DBA BHC INSURANCE3 | 5500 EUPER LN FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $875 | $357 | $1K | 14.08% |
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 | 150 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 975 | $3.7M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 344 | $156K |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 291 | $23K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 156 | $50K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 156 | $40K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 156 | $49K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 975 | $3.7M |
| Other(5 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 156 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 975 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.