| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUMMITT CONSULTING LLC3 | 501 WE ASHVILLE DRIVE LEES SUMMIT, MO 640631066 | BLUE CROSS BLUE SHIELD OF KANSAS | $2K | — | $2K | 2.33% |
| ROBERT CRADDOCK3 Filed as: ROBERT R CRADDOCK | 501 SE ASHVILLE DR LEES SUMMIT, MO 640631066 | KANAWHA INSURANCE COMPANY | $9K | — | $9K | 16.49% |
| TEARLE BAGWELL3 Filed as: TEARLE D BAGWELL | 360B QUALITY CIRCLE STE 220 HUNTSVILLE, AL 358064546 | KANAWHA INSURANCE COMPANY | $1K | — | $1K | 2.34% |
| HEATHER D MCFARLAND3 | 695 LOVE BRANCH RD HARVEST, AL 357498565 | KANAWHA INSURANCE COMPANY | $247 | — | $247 | 0.43% |
| GENE R TYLER3 | 4550 HIGHWAY 360 SUITE 190 GRAPEVINE, TX 760516761 | KANAWHA INSURANCE COMPANY | $246 | — | $246 | 0.43% |
| ROBERT CRADDOCK3 | 501 SE ASVILLE DR LEES SUMMIT, MO 640631066 | HUMANA INSURANCE COMPANY | $3K | $1 | $3K | 9.23% |
| ROBERT CRADDOCK3 | 501 SE ASHVILLE DR LEES SUMMIT, MO 640631066 | HUMANA DENTAL INSURANCE COMPANY | $2K | $2 | $2K | 17.36% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF KANSAS EIN 48-0952857 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | 1133 SW TOPEKA BLVD TOPEKA, KS 666290001 | $37K |
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 | 259 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA DENTAL INSURANCE COMPANY | 277 | $14K |
| Vision | HUMANA INSURANCE COMPANY | 211 | $34K |
| Life insurance | KANAWHA INSURANCE COMPANY | 67 | $57K |
| Short-term disability | KANAWHA INSURANCE COMPANY | 67 | $57K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF KANSAS | 165 | $90K |
| Other | KANAWHA INSURANCE COMPANY | 67 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 277 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.