| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUMMIT CONSULTING LLC3 | 501 SE ASHVILLE DRIVE LEES SUMMIT, MO 640631066 | BLUE CROSS AND BLUE SHIELD OF KANSAS | — | — | $0 | 0.00% |
| SUMMIT CONSULTING LLC3 | 501 SE ASHEVILLE DR LEES SUMMIT, MO 640631066 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| SUMMIT CONSULTING LLC3 | 501 SE ASHEVILLE DR LEES SUMMIT, MO 640631066 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| ROBERT CRADDOCK3 | 501 SE ASHEVILLE DR LEES SUMMIT, MO 640631066 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 10.67% |
| SUMMIT CONSULTING LLC3 | 501 SE ASHEVILLE DRIVE LEES SUMMIT, MO 640631066 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| SUMMIT CONSULTING LLC3 | 501 SE ASHVILLE DRIVE LEES SUMMIT, MO 640631066 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| ROBERT CRADDOCK3 Filed as: ROBERT R CRADDOCK | 501 SE ASHEVILLE LEES SUMMIT, MO 640631066 | HUMANA DENTAL INSURANCE COMPANY | $2K | — | $2K | 20.56% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD EIN 48-0952857 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | 1133 SW TOPEKA BLVD TOPEKA, KS 666290001 | $51K |
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 | 194 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA DENTAL INSURANCE COMPANY | 114 | $8K |
| Vision | HUMANA INSURANCE COMPANY | 88 | $19K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 196 | $24K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 196 | $50K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 189 | $22K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS AND BLUE SHIELD OF KANSAS | 255 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.