| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JIM RULEY & CO INC3 | 5727 S. LEWIS STE. 420 TULSA, OK 74105 | UNITED HEALTH CARE COMPANY | — | $62K | $62K | 4.19% |
| JIM RULEY & CO INC | 5727 S. LEWIS STE. 420 TULSA, OK 74105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $10K | 6.11% |
| JIM RULEY & CO INC3 | 5727 S. LEWIS STE. 500 TULSA, OK 74105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | $1K | $24K | 15.75% |
| JIM RULEY & CO INC3 | 5727 S. LEWIS STE. 420 TULSA, OK 74105 | DELTA DENTAL - CYMSTAR | $9K | $5K | $14K | 15.74% |
| JIM RULEY & CO INC3 | 5727 S. LEWIS STE. 420 TULSA, OK 74105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $741 | $554 | $1K | 1.75% |
| JIM RULEY & CO INC3 | 5727 S. LEWIS STE. 420 TULSA, OK 74105 | DELTA DENTAL - CYMSTAR SERVICES | $6K | $5K | $11K | 19.70% |
| JIM RULEY & CO INC3 | 5727 S. LEWIS STE. 420 TULSA, OK 74105 | VISION SERVICE PLAN | $1K | — | $1K | 4.82% |
| JIM RULEY & CO INC3 | 5727 S. LEWIS STE. 420 TULSA, OK 74105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $95 | $1K | 10.75% |
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 | 247 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 247 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTH CARE COMPANY | 206 | $1.5M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL - CYMSTAR | 78 | $146K |
| Vision | VISION SERVICE PLAN | 174 | $28K |
| Life insurance(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 132 | $241K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 123 | $230K |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 132 | $399K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.