| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JIM RULEY & CO INC3 | 5727 S. LEWIS STE. 420 TULSA, OK 74105 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $47K | $47K | 2.46% |
| JIM RULEY & CO INC3 | 5727 S. LEWIS STE. 420 TULSA, OK 74105 | DELTA DENTAL | $12K | $8K | $20K | 16.70% |
| JIM RULEY & CO INC3 | 5727 S. LEWIS STE. 420 TULSA, OK 74105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 8.22% |
| JIM RULEY & CO INC3 | 5727 S. LEWIS TULSA, OK 74105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 12.64% |
| JIM RULEY & CO INC3 | 5727 S. LEWIS TULSA, OK 74105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 7.59% |
| JIM RULEY & CO INC3 | 5727 S. LEWIS STE 420 TULSA, OK 74105 | DELTA DENTAL | $3K | $2K | $5K | 19.56% |
| JIM RULEY & CO INC | 5727 S. LEWIS STE. 420 TULSA, OK 74105 | VSP | $1K | — | $1K | 5.30% |
| JIM RULEY & CO INC3 | 5727 S. LEWIS STE. 420 TULSA, OK 74105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 8.83% |
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 | 232 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 310 | $1.9M |
| Dental(2 contracts) | DELTA DENTAL | 108 | $147K |
| Vision | VSP | 142 | $22K |
| Life insurance(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 154 | $217K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 154 | $170K |
| Other(6 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 154 | $280K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 310 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.