| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BHC NEXT, LLC3 Filed as: BHC NEXT LLC | 5500 EUPER LN. FORT SMITH, AR 72903 | ARKANSAS BLUE CROSS AND BLUE SHIELD | $40K | — | $40K | 4.01% |
| BHC NEXT LLC DBA BHC INSURANCE3 | 2857 OLD WIRE RD. SPRINGDALE, AR 72764 | DELTA DENTAL OF ARKANSAS | $6K | — | $6K | 6.61% |
| BHC NEXT, LLC3 Filed as: BHC NEXT LLC | 5500 EUPER LN. FORT SMITH, AR 72903 | USABLE LIFE | $4K | $138 | $4K | 11.64% |
| DAVID NEEDHAM3 | 1840 PARK RIDGE DRIVE VAN BUREN, AR 72956 | USABLE LIFE | $1K | — | $1K | 4.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER-CLARK & ASSOCIATES | PO BOX 3529 FORT SMITH, AR 72913 | USABLE LIFE | $1K | — | $1K | 3.78% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $153 | — | $153 | 0.45% |
| JERRY DUNCAN3 | 516 EAST MILLSAP RD. STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $126 | — | $126 | 0.37% |
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 | 249 | $998K |
| Dental | DELTA DENTAL OF ARKANSAS | 256 | $92K |
| Vision | BLUE CROSS BLUE SHIELD OF ARKANSAS | 227 | $14K |
| Life insurance | USABLE LIFE | 198 | $34K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 249 | $998K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 256 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.