| 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 | $349 | — | $349 | 2.86% |
| DAVID NEEDHAM3 | 1840 PARK RIDGE DRIVE VAN BUREN, AR 72956 | USABLE LIFE | $181 | — | $181 | 1.48% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $20 | — | $20 | 0.16% |
| JERRY DUNCAN3 | 516 EAST MILLSAP ROAD SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $16 | — | $16 | 0.13% |
| BHC NEXT, LLC3 Filed as: BHC NEXT LLC | 5500 EUPER LANE FORT SMITH, AR 72903 | USABLE LIFE | $2K | $871 | $3K | 28.03% |
| DAVID NEEDHAM3 | 1840 PARK RIDGE DRIVE VAN BUREN, AR 72956 | USABLE LIFE | $270 | $228 | $498 | 4.27% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: ARKANSAS BLUE CROSS BLUE SHIELD | 601 SOUTH GAINES ST LITTLE ROCK, AR 72201 | USABLE LIFE | $32 | — | $32 | 0.27% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $30 | — | $30 | 0.26% |
| JERRY DUNCAN3 | 516 EAST MILLSAP ROAD SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $24 | — | $24 | 0.21% |
| BHC NEXT, LLC3 Filed as: BHC NEXT, LLC DBA BHC INSURANCE | 5500 EUPER LANE FORT SMITH, AR 72903 | MUTUAL OF OMAHA | $2K | $391 | $2K | 18.71% |
| BHC NEXT, LLC3 Filed as: BHC NEXT LLC DBA BHC INSURANCE | 5500 EUPER LANE FORT SMITH, AR 72903 | MUTUAL OF OMAHA | $1K | $658 | $2K | 21.91% |
| BHC NEXT, LLC3 Filed as: BHC NEXT LLC | 5500 EUPER LANE FORT SMITH, AR 72903 | USABLE LIFE | $2K | $528 | $2K | 26.22% |
| DAVID NEEDHAM3 | 1840 PARK RIDGE DRIVE VAN BUREN, AR 72956 | USABLE LIFE | $213 | $138 | $351 | 3.79% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: ARKANSAS BLUE CROSS BLUE SHIELD | 601 SOUTH GAINES ST LITTLE ROCK, AR 72201 | USABLE LIFE | $26 | — | $26 | 0.28% |
| MARIA VANDYKE4 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $23 | — | $23 | 0.25% |
| JERRY DUNCAN3 | 516 EAST MILLSAP ROAD SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $19 | — | $19 | 0.21% |
| BHC NEXT, LLC3 Filed as: BHC NEXT LLC | 5500 EUPER LANE FORT SMITH, AR 72903 | USABLE LIFE | $2K | $400 | $2K | 24.10% |
| DAVID NEEDHAM3 | 1840 PARK RIDGE DRIVE VAN BUREN, AR 72956 | USABLE LIFE | $187 | $105 | $292 | 3.42% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: ARKANSAS BLUE CROSS BLUE SHIELD | 601 SOUTH GAINES ST LITTLE ROCK, AR 72201 | USABLE LIFE | $22 | — | $22 | 0.26% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $21 | — | $21 | 0.25% |
| JERRY DUNCAN3 | 516 EAST MILLSAP ROAD SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $17 | — | $17 | 0.20% |
| BHC NEXT, LLC3 Filed as: BHC NEXT LLC | 5500 EUPER LANE FORT SMITH, AR 72903 | USABLE LIFE | $956 | $87 | $1K | 16.39% |
| DAVID NEEDHAM4 | 1840 PARK RIDGE DRIVE VAN BUREN, AR 72956 | USABLE LIFE | $319 | $23 | $342 | 5.37% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $35 | — | $35 | 0.55% |
| JERRY DUNCAN3 | 516 EAST MILLSAP ROAD SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $29 | — | $29 | 0.46% |
| BHC NEXT, LLC3 Filed as: BHC NEXT LLC DBA BHC INSURANCE | 5500 EUPER LANE FORT SMITH, AR 72903 | MUTUAL OF OMAHA | $671 | $42 | $713 | 15.95% |
| BHC NEXT, LLC3 Filed as: BHC NEXT LLC | 5500 EUPER LANE FORT SMITH, AR 72903 | USABLE LIFE | $223 | $50 | $273 | 18.60% |
| DAVID NEEDHAM3 | 1840 PARK RIDGE DRIVE VAN BUREN, AR 72956 | USABLE LIFE | $74 | $13 | $87 | 5.93% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $8 | — | $8 | 0.54% |
| JERRY DUNCAN3 | 516 EAST MILLSAP ROAD SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $7 | — | $7 | 0.48% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ARKANSAS BLUE CROSS BLUE SHIELD EIN 71-0226428 | Other services Service code 49 | — | $27K |
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 | 179 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 132 | $689K |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 161 | $68K |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 154 | $9K |
| Life insurance | USABLE LIFE | 179 | $12K |
| Short-term disability | MUTUAL OF OMAHA | 16 | $11K |
| Long-term disability(2 contracts) | MUTUAL OF OMAHA | 15 | $14K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 132 | $689K |
| Other(8 contracts, 2 carriers) | USABLE LIFE | 179 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.