| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BHC NEXT, LLC Filed as: BHC NEXT LLC | 5500 EUPER LANE FORT SMITH, AR 72903 | USABLE LIFE | $2K | — | $2K | 27.17% |
| DAVID NEEDHAM | 1840 PARK RIDGE DRIVE VAN BUREN, AR 72956 | USABLE LIFE | $308 | $155 | $463 | 7.17% |
| MARIA VANDYKE | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $34 | — | $34 | 0.53% |
| JERRY DUNCAN | 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $28 | — | $28 | 0.43% |
| BHC NEXT, LLC Filed as: BHC NEXT LLC | 5500 EUPER LANE FORT SMITH, AR 72903 | USABLE LIFE | $913 | — | $913 | 20.06% |
| NEEDHAM, DAVID | 1840 PARK RIDGE DRIVE VAN BUREN, AR 72956 | USABLE LIFE | $46 | — | $46 | 1.01% |
| MARIA VANDYKE | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $6 | — | $6 | 0.13% |
| JERRY DUNCAN | 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $5 | — | $5 | 0.11% |
| BHC NEXT, LLC Filed as: BHC NEXT LLC | 5500 EUPER LANE FORT SMITH, AR 72903 | USABLE LIFE | $775 | — | $775 | 21.52% |
| DAVID NEEDHAM | 1840 PARK RIDGE DRIVE VAN BUREN, AR 72956 | USABLE LIFE | $97 | $113 | $210 | 5.83% |
| BLUE CROSS BLUE SHIELD OF FLORIDA Filed as: ARKANSAS BLUE CROSS BLUE SHIELD | 601 SOUTH GAINES ST LITTLE ROCK, AR 72201 | USABLE LIFE | $12 | — | $12 | 0.33% |
| MARIA VANDYKE | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $11 | — | $11 | 0.31% |
| JERRY DUNCAN | 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $9 | — | $9 | 0.25% |
| BHC NEXT, LLC Filed as: BHC NEXT LLC | 5500 EUPER LANE FORT SMITH, AR 72903 | USABLE LIFE | $391 | — | $391 | 15.73% |
| DAVID NEEDHAM | 1840 PARK RIDGE DRIVE VAN BUREN, AR 72956 | USABLE LIFE | $130 | $107 | $237 | 9.54% |
| MARIA VANDYKE | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $14 | — | $14 | 0.56% |
| JERRY DUNCAN | 516 EAST MILLSAP RD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $12 | — | $12 | 0.48% |
| BHC NEXT, LLC Filed as: BHC NEXT LLC | 5500 EUPER LANE FORT SMITH, AR 72903 | USABLE LIFE | $446 | — | $446 | 21.53% |
| DAVID NEEDHAM | 1840 PARK RIDGE DRIVE VAN BUREN, AR 72956 | USABLE LIFE | $56 | $66 | $122 | 5.89% |
| BLUE ADVANTAGE ADMINISTRATORS OF AR Filed as: BLUE SHIELD BLUE CROSS | 601 SOUTH GAINES ST LITTLE ROCK, AR 72201 | USABLE LIFE | $7 | — | $7 | 0.34% |
| MARIA VANDYKE | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $6 | — | $6 | 0.29% |
| JERRY DUNCAN | 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $5 | — | $5 | 0.24% |
| BHC NEXT, LLC Filed as: BHC NEXT LLC | 5500 EUPER LANE FORT SMITH, AR 72903 | USABLE LIFE | $350 | — | $350 | 20.00% |
| DAVID NEEDHAM | 1840 PARK RIDGE DRIVE VAN BUREN, AR 72956 | USABLE LIFE | $17 | — | $17 | 0.97% |
| JERRY DUNCAN | 516 EAST MILLSAP RD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $2 | — | $2 | 0.11% |
| MARIA VANDYKE | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $2 | — | $2 | 0.11% |
| BHC NEXT, LLC Filed as: BHC NEXT LLC | 5500 EUPER LANE FORT SMITH, AR 72903 | USABLE LIFE | $276 | — | $276 | 22.06% |
| DAVID NEEDHAM | 1840 PARK RIDGE DRIVE VAN BUREN, AR 72956 | USABLE LIFE | $35 | $74 | $109 | 8.71% |
| MARIA VANDYKE | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $4 | — | $4 | 0.32% |
| BLUE CROSS BLUE SHIELD OF FLORIDA Filed as: ARKANSAS BLUE CROSS BLUE SHIELD | 601 SOUTH GAINES ST LITTLE ROCK, AR 72201 | USABLE LIFE | $4 | — | $4 | 0.32% |
| JERRY DUNCAN | 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $3 | — | $3 | 0.24% |
| BHC NEXT, LLC Filed as: BHC NEXT LLC | 5500 EUPER LANE FORT SMITH, AR 72903 | USABLE LIFE | $86 | — | $86 | 20.09% |
| DAVID NEEDHAM | 1840 PARK RIDGE DRIVE VAN BUREN, AR 72956 | USABLE LIFE | $22 | $11 | $33 | 7.71% |
| JERRY DUNCAN | 516 EAST MILLSAP RD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $2 | — | $2 | 0.47% |
| MARIA VANDYKE | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $2 | — | $2 | 0.47% |
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 | 228 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 558 | $314K |
| Dental | BLUE CROSS, BLUE SHIELD | 561 | $20K |
| Vision | BLUE CROSS BLUE SHIELD | 511 | $4K |
| Life insurance(2 contracts) | USABLE LIFE | 232 | $11K |
| Short-term disability(5 contracts) | USABLE LIFE | 232 | $12K |
| Long-term disability | USABLE LIFE | 47 | $2K |
| Prescription drug | BLUE CROSS BLUE SHIELD | 558 | $314K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 561 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.