| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JIM RULEY & CO INC3 | 5727 S LEWIS AVE STE 420 TULSA, OK 74105 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $41K | $41K | 2.56% |
| JIM RULEY & CO INC3 | 5727 S LEWIS AVE STE 420 TULSA, OK 74105 | DELTA DENTAL - CYMSTAR | $10K | $6K | $16K | 15.59% |
| JIM RULEY & CO INC | 5727 S LEWIS AVE STE 420 TULSA, OK 74105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 9.59% |
| JIM RULEY & CO INC3 | 5727 S LEWIS AVE STE 420 TULSA, OK 74105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 9.92% |
| JIM RULEY & CO INC3 | 5727 S LEWIS AVE STE 420 TULSA, OK 74105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 15.00% |
| JIM RULEY & CO INC3 | 5727 S LEWIS AVE STE 420 TULSA, OK 74105 | DELTA DENTAL - CYMSTAR SERVICES | $3K | $2K | $5K | 17.83% |
| JIM RULEY & CO INC3 | 5727 S LEWIS AVE STE 420 TULSA, OK 74105 | VISION SERVICE PLAN | $1K | — | $1K | 5.58% |
| JIM RULEY & CO INC | 5727 S LEWIS AVE STE 420 TULSA, OK 74105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 9.87% |
| JIM RULEY & CO INC3 | 5727 S LEWIS AVE STE 420 TULSA, OK 74105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 116.19% |
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. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 263 | $1.6M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL - CYMSTAR | 98 | $130K |
| Vision | VISION SERVICE PLAN | 130 | $20K |
| Life insurance(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 144 | $160K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 99 | $62K |
| Other(7 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 144 | $224K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 263 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.