| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BHC NEXT, LLC3 Filed as: BHC & ASSOCIATES | P.O. BOX 3529 FORT SMITH, AR 72913 | USABLE LIFE | $2K | $255 | $2K | 17.03% |
| DAVID NEEDHAM3 | 1840 PARK RIDGE DRIVE VAN BUREN, AR 72956 | USABLE LIFE | $629 | $78 | $707 | 5.62% |
| JERRY DUNCAN3 | 516 EAST MILLSAP ROAD SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $126 | $19 | $145 | 1.15% |
| BHC NEXT, LLC3 Filed as: BHC & ASSOCIATES | 5500 EUPER LANE FORT SMITH, AR 72903 | MUTUAL OF OMAHA | $2K | $350 | $2K | 23.80% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | MUTUAL OF OMAHA | — | $300 | $300 | 3.26% |
| BHC NEXT, LLC3 Filed as: BHC & ASSOCIATES | P.O. BOX 3529 FORT SMITH, AR 72913 | USABLE LIFE | $273 | — | $273 | 2.99% |
| DAVID NEEDHAM3 | 1840 PARK RIDGE DRIVE VAN BUREN, AR 72956 | USABLE LIFE | $151 | — | $151 | 1.66% |
| JERRY DUNCAN3 | 516 EAST MILLSAP ROAD SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $30 | — | $30 | 0.33% |
| BHC NEXT, LLC3 Filed as: BHC & ASSOCIATES | 5500 EUPER LANE FORT SMITH, AR 72903 | MUTUAL OF OMAHA | $1K | $199 | $2K | 17.24% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | MUTUAL OF OMAHA | — | $99 | $99 | 1.12% |
| BHC NEXT, LLC3 Filed as: BHC & ASSOCIATES | 5500 EUPER LANE FORT SMITH, AR 72903 | MUTUAL OF OMAHA | $1K | $273 | $2K | 18.13% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | MUTUAL OF OMAHA | — | $234 | $234 | 2.68% |
| BHC NEXT, LLC3 Filed as: BHC & ASSOCIATES | P.O. BOX 3529 FORT SMITH, AR 72913 | USABLE LIFE | $395 | $58 | $453 | 17.20% |
| DAVID NEEDHAM3 | 1840 PARK RIDGE DRIVE VAN BUREN, AR 72956 | USABLE LIFE | $132 | $18 | $150 | 5.69% |
| JERRY DUNCAN3 | 516 EAST MILLSAP ROAD SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $26 | $4 | $30 | 1.14% |
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 | 198 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 167 | $584K |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 198 | $59K |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 190 | $10K |
| Life insurance | USABLE LIFE | 181 | $9K |
| Long-term disability | MUTUAL OF OMAHA | 18 | $9K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 167 | $584K |
| Other(5 contracts, 2 carriers) | USABLE LIFE | 181 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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."
No prospect flags tripped on this filing.