| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JIM RULEY & CO INC3 Filed as: JIM POSEY INSURANCE, LLC | 5567 S LEWIS AVE TULSA, OK 74105 | BLUECROSS BLUESHIELD | $52K | — | $52K | 1.97% |
| INSURICA, INC.3 Filed as: INSURICA, INC | 5100 N CLASSEN BLVD STE 300 OKLAHOMA CITY, OK 73118 | BLUECROSS BLUESHIELD | $25K | $4K | $28K | 1.06% |
| JIM RULEY & CO INC3 Filed as: JIM POSEY INSURANCE LLC | 5567 S LEWIS STE 400 TULSA, OK 74105 | DELTA DENTAL | $5K | — | $5K | 4.00% |
| JIM RULEY & CO INC3 Filed as: JIM POSEY INSURANCE, LLC | 5567 S LEWIS AVE STE 400 TULSA, OK 74105 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 5.20% |
| NORTH AMERICAN INS AG INC3 Filed as: NORTH AMERICAN INS AGY | PO BOX 25928 OKLAHOMA CITY, OK 73125 | HARTFORD LIFE AND ACCIDENT | $824 | — | $824 | 4.23% |
| LAWYER CLINKSCALES JR.3 | 426 SW 80TH STREET LAWTON, OK 73505 | VISION SERVICE PLAN | $73 | — | $73 | 10.03% |
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 | 443 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 443 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD | 446 | $2.7M |
| Dental | DELTA DENTAL | 411 | $123K |
| Vision | VISION SERVICE PLAN | 3 | $728 |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 443 | $19K |
| Other | HARTFORD LIFE AND ACCIDENT | 443 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 446 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.