| 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 | — | $28K | $28K | 2.00% |
| BHC NEXT, LLC3 Filed as: BHC INSURANCE | 5500 EUPER LANE FORT SMITH, AR 72903 | ARKANSAS BLUE CROSS AND BLUE SHIELD | $5K | — | $5K | 10.01% |
| BHC NEXT, LLC3 | 5500 EUPER LN FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 21.09% |
| BHC NEXT, LLC3 | 5500 EUPER LN FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $756 | $3K | 20.35% |
| BHC NEXT LLC DBA BHC INSURANCE3 | 5500 EUPER LANE FORT SMITH, AR 72903 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 10.03% |
| BHC NEXT, LLC3 | 5500 EUPER LN FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $875 | $380 | $1K | 21.50% |
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 | 107 | 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 175 | $1.4M |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 176 | $52K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 235 | $13K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 105 | $32K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 30 | $14K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 175 | $1.4M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 105 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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.