| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| N/A3 | — | ARKANSAS BLUE CROSS AND BLUE SHIELD | $16K | — | $16K | 2.84% |
| N/A3 | — | ARKANSAS BLUE CROSS AND BLUE SHIELD | $4K | — | $4K | 9.97% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER-CLARK & ASSOCIATES | PO BOX 3529 FORT SMITH, AR 72913 | USABLE LIFE | $2K | — | $2K | 13.51% |
| KAYLA PROPPS3 | 130 HEMPSTEAD 353 NASHVILLE, AR 71852 | USABLE LIFE | $779 | — | $779 | 4.97% |
| BHC NEXT, LLC3 Filed as: BHC NEXT LLC | 5500 EUPER LANE FORT SMITH, AR 72903 | USABLE LIFE | $219 | — | $219 | 1.40% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $86 | — | $86 | 0.55% |
| JERRY DUNCAN3 | 516 EAST MILLSAP ROAD, STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $70 | — | $70 | 0.45% |
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 | 110 | 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) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 121 | $553K |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 129 | $42K |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 110 | $9K |
| Long-term disability | USABLE LIFE | 110 | $16K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 121 | $553K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 129 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.