| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BHC NEXT, LLC3 Filed as: BHC INSURANCE | 5500 EUPER LANE FORT SMITH, AR 72903 | ARKANSAS BLUE CROSS AND BLUE SHIELD | $0 | $0 | $0 | 0.00% |
| BHC NEXT, LLC3 Filed as: BHC INSURANCE | 5500 EUPER LANE FORT SMITH, AR 72903 | ARKANSAS BLUE CROSS AND BLUE SHIELD | $5K | — | $5K | 9.20% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER-CLARK & ASSOCIATES | 5500 EUPER LANE FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 21.29% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $644 | $644 | 3.14% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER-CLARK & ASSOCIATES | 5500 EUPER LANE FORT SMITH, AR 72903 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER-CLARK & ASSOCIATES | 5500 EUPER LANE FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $478 | $2K | 20.97% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $239 | $239 | 2.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER-CLARK & ASSOCIATES | 5500 EUPER LANE FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $890 | $304 | $1K | 20.12% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $152 | $152 | 2.56% |
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 | 105 | 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) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 168 | $744K |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 173 | $51K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 102 | $12K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 104 | $26K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 26 | $8K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 168 | $744K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 104 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.