| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT CRADDOCK3 Filed as: ROBERT R CRADDOCK | 501 SE ASHVILLE DR LEES SUMMIT, MO 640631066 | KANAWHA INSURANCE COMPANY | $14K | — | $14K | 19.57% |
| TEARLE BAGWELL3 Filed as: TEARLE D BAGWELL | 7500 MEMORIAL PKWY STE 211 HUNTSVILLE, AL 358022232 | KANAWHA INSURANCE COMPANY | $6K | — | $6K | 8.34% |
| GENE R TYLER3 | 2201 HARWOOD RD BEDFORD, TX 760213607 | KANAWHA INSURANCE COMPANY | $1K | — | $1K | 1.51% |
| HEATHER D MCFARLAND3 | 695 LOVE BRANCH RD HARVEST, AL 357498565 | KANAWHA INSURANCE COMPANY | $1K | — | $1K | 1.50% |
| ROBERT CRADDOCK3 | 501 SE ASVILLE DR LEES SUMMIT, MO 640631066 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| ROBERT CRADDOCK3 | 501 SE ASHVILLE DR LEES SUMMIT, MO 640631066 | HUMANA DENTAL INSURANCE COMPANY | $2K | — | $2K | 20.44% |
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 | 178 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA DENTAL INSURANCE COMPANY | 178 | $8K |
| Vision | HUMANA INSURANCE COMPANY | 214 | $35K |
| Life insurance | KANAWHA INSURANCE COMPANY | 119 | $70K |
| Short-term disability | KANAWHA INSURANCE COMPANY | 119 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.