| 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 | $19K | $19K | 1.98% |
| BHC NEXT, LLC3 Filed as: BHC INSURANCE | 5500 EUPER LANE FORT SMITH, AR 72903 | ARKANSAS BLUE CROSS AND BLUE SHIELD | $5K | — | $5K | 10.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER INC | 5500 EUPER LN FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $715 | $3K | 15.70% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $613 | $613 | 2.79% |
| BHC NEXT, LLC3 | 5500 EUPER LN FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $562 | — | $562 | 2.56% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER-CLARK & ASSOCIATE | 5500 EUPER LANE FORT SMITH, AR 72903 | METROPOLITAN LIFE INSURANCE COMPANY | $590 | — | $590 | 4.89% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER INC | 5500 EUPER LN FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $317 | $2K | 15.78% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $272 | $272 | 2.85% |
| BHC NEXT, LLC3 | 5500 EUPER LN FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $242 | — | $242 | 2.54% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER INC | 5500 EUPER LN FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $689 | $192 | $881 | 15.96% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $165 | $165 | 2.99% |
| BHC NEXT, LLC3 | 5500 EUPER LN FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $139 | — | $139 | 2.52% |
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 | 104 | 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) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 167 | $958K |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 168 | $48K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 162 | $12K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 104 | $27K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 27 | $10K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 167 | $958K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 104 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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.