| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BHC NEXT, LLC | 5500 EUPER LN FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | — | $10K | 13.21% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN-HILLER INC | 5500 EUPER LN FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 6.79% |
| ASSUREDPARTNERS Filed as: ASSUREDPARTNERS NORTHEAST LLC | 445 HAMILTON AVE FL 10 WHITE PLAINS, NY 10601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 4.23% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN HILLER CLARK INC | 5500 EUPER LN FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | — | $9K | 13.30% |
| ASSUREDPARTNERS Filed as: ASSUREDPARTNERS NORTHEAST LLC | 445 HAMILTON AVE FL 10 WHITE PLAINS, NY 10601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 6.70% |
| BHC NEXT, LLC | 5500 EUPER LN FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.85% |
| BHC NEXT, LLC Filed as: BHC NEXT LLC | 5500 EUPER LN FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 12.99% |
| ASSUREDPARTNERS Filed as: ASSUREDPARTNERS NORTHEAST LLC | 445 HAMILTON AVE FL 10 WHITE PLAINS, NY 10601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 7.01% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN-HILLER INC | 5500 EUPER LN FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.04% |
| BHC NEXT, LLC | 5500 EUPER LN FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 16.79% |
| ASSUREDPARTNERS Filed as: ASSUREDPARTNERS NORTHEAST LLC | 445 HAMILTON AVE FL 10 WHITE PLAINS, NY 10601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 8.21% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN-HILLER INC | 5500 EUPER LN FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $676 | $676 | 2.55% |
| BHC NEXT, LLC Filed as: BHC NEXT LLC | 5500 EUPER LN FORT SMITH, AR 72913 | USABLE LIFE | $2K | — | $2K | 9.22% |
| ASSUREDPARTNERS Filed as: ASSUREDPARTNERS NORTHEAST LLC | 445 HAMILTON AVE 10TH FL WHITE PLAINS, NY 10601 | USABLE LIFE | $776 | — | $776 | 3.52% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN-HILLER-CLARK & ASSOCIATES | PO BOX 3529 FORT SMITH, AR 72913 | USABLE LIFE | $213 | — | $213 | 0.97% |
| DAVID NEEDHAM | 1840 PARK RIDGE DR VAN BUREN, AR 72956 | USABLE LIFE | $202 | — | $202 | 0.92% |
| MARIA VANDYKE | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $28 | — | $28 | 0.13% |
| JERRY DUNCAN | 516 EAST MILLSAP RD. STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $23 | — | $23 | 0.10% |
| BHC NEXT, LLC Filed as: BHC NEXT LLC | 5500 EUPER LANE FORT SMITH, AR 72903 | USABLE LIFE | $388 | — | $388 | 1.86% |
| JERRY DUNCAN | 516 EAST MILLSAP RD STE 103 FAYETTEVILLE, AR 72956 | USABLE LIFE | $229 | — | $229 | 1.10% |
| ASSUREDPARTNERS Filed as: ASSURED PARTNERS NORTHEAST LLC | 445 HAMILTON AVE 10TH FL WHITE PLAINS, NY 10601 | USABLE LIFE | $76 | — | $76 | 0.36% |
| MARIA VANDYKE | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $25 | — | $25 | 0.12% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN-HILLER-CLARK & ASSOCIATES | PO BOX 3529 FORT SMITH, AR 72913 | USABLE LIFE | $24 | — | $24 | 0.12% |
| BHC NEXT, LLC | 5500 EUPER LN FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 16.42% |
| ASSUREDPARTNERS Filed as: ASSUREDPARTNERS NORTHEAST LLC | 445 HAMILTY AVE FL 10 WHITE PLAINS, NY 10601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 8.58% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN HILLER CLARK | 5500 EUPER LN FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $367 | $367 | 2.17% |
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 | 632 | 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) | 632 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS BLUE SHIELD | 502 | $2.3M |
| Dental | BLUE CROSS, BLUE SHIELD | 523 | $146K |
| Vision | BLUE CROSS BLUE SHIELD | 473 | $45K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 325 | $118K |
| Short-term disability(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 172 | $111K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 165 | $59K |
| Prescription drug | ARKANSAS BLUE CROSS BLUE SHIELD | 502 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 523 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.