| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BHC NEXT, LLC3 Filed as: BHC & ASSOCIATES | 5500 EUPER LANE FORT SMITH, AR 72903 | MUTUAL OF OMAHA | $2K | $420 | $2K | 19.14% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | MUTUAL OF OMAHA | — | $210 | $210 | 2.07% |
| 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 | 1.65% |
| MARIA VANDYKE | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $17 | — | $17 | 0.19% |
| JERRY DUNCAN3 | 516 EAST MILLSAP ROAD SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $14 | — | $14 | 0.15% |
| BHC NEXT, LLC3 Filed as: BHC & ASSOCIATES | 5500 EUPER LANE FORT SMITH, AR 72903 | MUTUAL OF OMAHA | $1K | $573 | $2K | 21.82% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | MUTUAL OF OMAHA | — | $286 | $286 | 3.40% |
| BHC NEXT, LLC3 Filed as: BHC & ASSOCIATES | 5500 EUPER LANE FORT SMITH, AR 72903 | MUTUAL OF OMAHA | $2K | $549 | $2K | 26.97% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | MUTUAL OF OMAHA | — | $274 | $274 | 3.47% |
| BHC NEXT, LLC3 Filed as: BHC & ASSOCIATES | P.O. BOX 3529 FORT SMITH, AR 72913 | USABLE LIFE | $1K | $100 | $1K | 16.33% |
| DAVID NEEDHAM3 | 1840 PARK RIDGE DRIVE VAN BUREN, AR 72956 | USABLE LIFE | $376 | — | $376 | 4.99% |
| MARIA VANDYKE | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $41 | — | $41 | 0.54% |
| JERRY DUNCAN3 | 516 EAST MILLSAP ROAD SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $34 | — | $34 | 0.45% |
| BHC NEXT, LLC3 Filed as: BHC & ASSOCIATES | P.O. BOX 3529 FORT SMITH, AR 72913 | USABLE LIFE | $203 | $18 | $221 | 16.31% |
| DAVID NEEDHAM3 | 1840 PARK RIDGE DRIVE VAN BUREN, AR 72956 | USABLE LIFE | $68 | — | $68 | 5.02% |
| MARIA VANDYKE | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $7 | — | $7 | 0.52% |
| JERRY DUNCAN3 | 516 EAST MILLSAP ROAD SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $6 | — | $6 | 0.44% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH ADVANTAGE EIN 71-0747497 | Other services Service code 49 | — | $20K |
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 | 144 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH ADVANTAGE | 114 | $537K |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 131 | $51K |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 125 | $8K |
| Life insurance | USABLE LIFE | 144 | $9K |
| Long-term disability | MUTUAL OF OMAHA | 15 | $8K |
| Prescription drug | HEALTH ADVANTAGE | 114 | $537K |
| Other(5 contracts, 2 carriers) | MUTUAL OF OMAHA | 144 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.