| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BHC NEXT, LLC3 | 5500 EUPER LANE FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $5K | $21K | 25.53% |
| BHC NEXT, LLC3 | 5500 EUPER LANE FORT SMITH, AR 72903 | UNITED OF OHAHA LIFE INSURANCE COMPANY | $15K | $5K | $20K | 26.07% |
| BHC NEXT, LLC3 | 5500 EUPER LANE FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $3K | $14K | 26.38% |
| BHC NEXT, LLC3 | 5500 EUPER LANE FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $3K | $13K | 26.07% |
| BHC NEXT LLC DBA BHC INSURANCE3 | PO BOX 3529 FORT SMITH, AR 72913 | THE HARTFORD | $982 | $151 | $1K | 21.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUEADVANTAGE ADMINISTRATORS OF AR EIN 71-0226428 CLAIMS PREPARATION | Claims processing Service code 12 | PO BOX 3743 LITTLE ROCK, AR 72203 | $330K |
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 | 637 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 637 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 637 | $237K |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 569 | $45K |
| Life insurance(3 contracts, 3 carriers) | UNITED OF OHAHA LIFE INSURANCE COMPANY | 405 | $134K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 117 | $51K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 395 | $88K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE | 353 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 637 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.