| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BHC NEXT, LLC3 Filed as: BHC NEXT LLC | 5500 EUPER LANE FORT SMITH, AR 72903 | USABLE LIFE | $3K | — | $3K | 23.06% |
| DAVID NEEDHAM3 | 1840 PARK RIDGE DRIVE VAN BUREN, AR 72956 | USABLE LIFE | $483 | $65 | $548 | 4.53% |
| KAREN BAGLEY3 | 601 SOUTH GAINES ST LITTLE ROCK, AR 72201 | USABLE LIFE | $60 | — | $60 | 0.50% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $53 | — | $53 | 0.44% |
| JERRY DUNCAN3 | 516 EAST MILLSAP ROAD SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $43 | — | $43 | 0.36% |
| BHC NEXT, LLC3 Filed as: BHC NEXT LLC | 5500 EUPER LANE FORT SMITH, AR 72903 | USABLE LIFE | $288 | — | $288 | 2.71% |
| DAVID NEEDHAM3 | 1840 PARK RIDGE DRIVE VAN BUREN, AR 72956 | USABLE LIFE | $168 | — | $168 | 1.58% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER-CLARK & ASSOCIATES | P.O. BOX 3529 FORT SMITH, AR 72913 | USABLE LIFE | $28 | — | $28 | 0.26% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $19 | — | $19 | 0.18% |
| JERRY DUNCAN3 | 516 EAST MILLSAP ROAD SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $15 | — | $15 | 0.14% |
| BHC NEXT, LLC3 | 5500 EUPER LANE FORT SMITH, AR 72903 | MUTUAL OF OMAHA | $2K | $701 | $2K | 21.92% |
| BHC NEXT, LLC3 Filed as: BHC NEXT LLC | 5500 EUPER LANE FORT SMITH, AR 72903 | USABLE LIFE | $2K | — | $2K | 22.86% |
| DAVID NEEDHAM3 | 1840 PARK RIDGE DRIVE VAN BUREN, AR 72956 | USABLE LIFE | $339 | $180 | $519 | 5.80% |
| KAREN BAGLEY3 | 601 SOUTH GAINES ST LITTLE ROCK, AR 72201 | USABLE LIFE | $42 | — | $42 | 0.47% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $37 | — | $37 | 0.41% |
| JERRY DUNCAN3 | 516 EAST MILLSAP ROAD SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $31 | — | $31 | 0.35% |
| BHC NEXT, LLC3 Filed as: BHC NEXT LLC | 5500 EUPER LANE FORT SMITH, AR 72903 | USABLE LIFE | $2K | — | $2K | 22.36% |
| DAVID NEEDHAM3 | 1840 PARK RIDGE DRIVE VAN BUREN, AR 72956 | USABLE LIFE | $278 | $175 | $453 | 6.20% |
| KAREN BAGLEY3 | 601 SOUTH GAINES ST LITTLE ROCK, AR 72201 | USABLE LIFE | $35 | — | $35 | 0.48% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $31 | — | $31 | 0.42% |
| JERRY DUNCAN3 | 516 EAST MILLSAP ROAD SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $25 | — | $25 | 0.34% |
| BHC NEXT, LLC3 Filed as: BHC NEXT LLC | 5500 EUPER LANE FORT SMITH, AR 72903 | USABLE LIFE | $866 | $36 | $902 | 14.32% |
| DAVID NEEDHAM3 | 1840 PARK RIDGE DRIVE VAN BUREN, AR 72956 | USABLE LIFE | $293 | — | $293 | 4.65% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $32 | — | $32 | 0.51% |
| JERRY DUNCAN3 | 516 EAST MILLSAP ROAD SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $26 | — | $26 | 0.41% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER-CLARK & ASSOCIATES | P.O. BOX 3529 FORT SMITH, AR 72913 | USABLE LIFE | $13 | — | $13 | 0.21% |
| BHC NEXT, LLC3 | 5500 EUPER LANE FORT SMITH, AR 72903 | MUTUAL OF OMAHA | $922 | — | $922 | 15.00% |
| BHC NEXT, LLC3 Filed as: BHC NEXT LLC | 5500 EUPER LANE FORT SMITH, AR 72903 | USABLE LIFE | $191 | $11 | $202 | 14.31% |
| DAVID NEEDHAM3 | 1840 PARK RIDGE DRIVE VAN BUREN, AR 72956 | USABLE LIFE | $67 | — | $67 | 4.75% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER-CLARK & ASSOCIATES | P.O. BOX 3529 FORT SMITH, AR 72913 | USABLE LIFE | $11 | — | $11 | 0.78% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $7 | — | $7 | 0.50% |
| JERRY DUNCAN3 | 516 EAST MILLSAP ROAD SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $6 | — | $6 | 0.42% |
| BHC NEXT, LLC3 | 5500 EUPER LANE FORT SMITH, AR 72903 | MUTUAL OF OMAHA | $96 | $315 | $411 | 64.32% |
| BHC NEXT, LLC3 | 5500 EUPER LANE FORT SMITH, AR 72903 | MUTUAL OF OMAHA | — | $378 | $378 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ARKANSAS BLUE CROSS BLUE SHIELD EIN 71-0226428 | Other services Service code 49 | — | $24K |
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 | 176 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 158 | $605K |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 175 | $65K |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 172 | $9K |
| Life insurance | USABLE LIFE | 176 | $11K |
| Short-term disability | MUTUAL OF OMAHA | 12 | $6K |
| Long-term disability(2 contracts) | MUTUAL OF OMAHA | 16 | $11K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 158 | $605K |
| Other(9 contracts, 2 carriers) | USABLE LIFE | 176 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.