| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JIM RULEY & CO INC3 Filed as: JIM RULEY & CO. INC. | 5727 S. LEWIS AVE, SUITE 420 TULSA, OK 74105 | COMMUNITYCARE | — | $21K | $21K | 1.79% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-AMERICA | 6100 S YALE AVE, SUITE 1900 TULSA, OK 74136 | COMMUNITYCARE | — | $2K | $2K | 0.15% |
| JIM RULEY & CO INC3 | 5727 S LEWIS, STE 420 TULSA, OK 74105 | DELTA DENTAL | $4K | — | $4K | 6.69% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL THE HOLMES ORG. | 6100 S YALE AVE, STE 1900 TULSA, OK 74136 | DELTA DENTAL | $765 | — | $765 | 1.31% |
| AMERICAN FIDELITY GENERAL AGENCY3 | 9000 CAMERON PARKWAY OKLAHOMA CITY, OK 73114 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $6K | — | $6K | 12.45% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 6100 S YAL ST STE 1900 TULSA, OK 74136 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.55% |
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 | 119 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITYCARE | 151 | $1.2M |
| Dental | DELTA DENTAL | 96 | $58K |
| Life insurance | BOSTON MUTUAL LIFE INSURANCE COMPANY | 136 | $48K |
| Long-term disability | BOSTON MUTUAL LIFE INSURANCE COMPANY | 136 | $48K |
| Other(2 contracts, 2 carriers) | COMMUNITYCARE | 151 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.