Form 5500 · Employee benefit plan · LEES SUMMIT, MO
REDISCOVER
The filing calls this plan REDISCOVER WRAP PLAN.
Public Form 5500 records show how REDISCOVER of LEES SUMMIT, MO, a health care and social assistance employer, structures its employee benefits. Its broker of record is BROWN AND BROWN INSURANCE SVCS. Coverage is written through BLUE CROSS BLUE SHIELD OF KANSAS CITY and 4 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 23-7169417 · plan 510 · plan year 2025, filed Jul 21, 2026
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1,182 other employer plans in Missouri have policy years ending in December. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
Benefits declared on this filing
Also declared: death benefits, other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 5 insured contracts covering health, dental, vision, life and disability; the largest, with BLUE CROSS BLUE SHIELD OF KANSAS CITY, covers 725 people.
Reported premium across the insured contracts is $9,376,707, with $81,244 in disclosed broker commissions — about 0.9% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
BROWN AND BROWN INSURANCE SVCS is the broker of record on 2 of the 5 contracts; the rest name a different broker or none.
5 carriers appear on the filing, including BLUE CROSS BLUE SHIELD OF KANSAS CITY, THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA, ALTERNATIVES EAP, LLC and CURALINC LLC. BLUE CROSS BLUE SHIELD OF KANSAS CITY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF KANSAS CITY | Health | 725 | Jan 1, 2026 | $8,381,301 | $45,101 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Dental, Vision, Life, Disability | 681 | Jan 1, 2026 | $951,748 | $36,143 |
| ALTERNATIVES EAP, LLC | — | 747 | Jan 1, 2026 | $30,071 | $0 |
| CURALINC LLC | — | 750 | Jan 1, 2026 | $11,160 | $0 |
| HARTFORD FIRE INSURANCE COMPANY | — | 750 | Jan 1, 2026 | $2,427 | $0 |
Premium and claims on this contract
BLUE CROSS BLUE SHIELD OF KANSAS CITY, contract 29004000. For the contract year on this filing, the carrier reported $8,381,301 in premium earned and $5,833,584 in claims incurred. Dividing one by the other gives 70%.
- BLUE CROSS BLUE SHIELD OF KANSAS CITY, contract 29004000 reported $2,547,716 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
Other plans filed by this employer
How this plan compares
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Renewal calendar
1,182 other employer plans in Missouri are January 1 renewals (policy year ends December).
Their policy years end in December, like this plan’s, so most renew January 1. The calendar lists every insured group by renewal date and state, with broker of record, carrier and disclosed commission. You can preview the five largest in each month for free.
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