| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BHC NEXT LLC DBA BHC INSURANCE3 | 5500 EUPER LN FORT SMITH, AR 72903 | ARKANSAS BLUE CROSS AND BLUE SHIELD | — | $142K | $142K | 10.31% |
| BHC NEXT LLC DBA BHC INSURANCE3 | 5500 EUPER LN FORT SMITH, AR 72903 | ARKANSAS BLUE CROSS AND BLUE SHIELD | — | $34K | $34K | 12.82% |
| BHC NEXT LLC DBA BHC INSURANCE3 | 5500 EUPER LN FORT SMITH, AR 72903 | ARKANSAS BLUE CROSS AND BLUE SHIELD | $9K | $10K | $19K | 22.04% |
| BHC NEXT LLC DBA BHC INSURANCE3 | 5500 EUPER LN FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $4K | $12K | 21.23% |
| BHC NEXT LLC DBA BHC INSURANCE3 | 5500 EUPER LN FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $3K | $11K | 21.08% |
| BHC NEXT LLC DBA BHC INSURANCE3 | 5500 EUPER LN FORT SMITH, AR 72903 | ARKANSAS BLUE CROSS AND BLUE SHIELD | — | — | $0 | 0.00% |
| BHC NEXT LLC DBA BHC INSURANCE3 | 5500 EUPER LN FORT SMITH, AR 72903 | ARKANSAS BLUE CROSS AND BLUE SHIELD | $2K | $2K | $4K | 22.03% |
| BHC NEXT LLC DBA BHC INSURANCE3 | 5500 EUPER LN FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $934 | $3K | 21.26% |
| BHC NEXT LLC DBA BHC INSURANCE3 | 5500 EUPER LN FORT SMITH, AR 72903 | ARKANSAS BLUE CROSS AND BLUE SHIELD | $468 | — | $468 | 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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 240 | $1.6M |
| Dental(2 contracts) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 262 | $106K |
| Vision(2 contracts) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 254 | $26K |
| Prescription drug(2 contracts) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 240 | $1.6M |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 234 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 262 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.