| 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 | $57K | — | $57K | 1.97% |
| JOHN F SULLIVAN INC3 Filed as: JOHN F. SULLIVAN | 321 WEST BROADWAY ARDMORE, OK 73401 | BLUECROSS BLUESHIELD | $55K | — | $55K | 1.88% |
| JIM RULEY & CO INC3 Filed as: JIM POSEY INSURANCE LLC | 5567 S LEWIS STE 400 TULSA, OK 74105 | DELTA DENTAL | $3K | — | $3K | 2.06% |
| SULLIVAN INSURANCE AGENCY3 | 321 WEST BROADWAY ARDMORE, OK 73401 | DELTA DENTAL | $2K | — | $2K | 1.94% |
| POSEY JR, JIM A3 | 5567 S LEWIS AVE STE 400 TULSA, OK 74115 | UNUM LIFE INSURANCE COMPANY OF AMER | $312 | — | $312 | 6.94% |
| JOHN F SULLIVAN INC3 Filed as: JOHN F. SULLIVAN INC DBA SULLIV | 321 WEST BROADWAY ARDMORE, OK 73401 | UNUM LIFE INSURANCE COMPANY OF AMER | $107 | — | $107 | 2.38% |
| JIM RULEY & CO INC3 Filed as: JIM POSEY INSURANCE, LLC | 5567 S LEWIS AVE STE 400 TULSA, OK 74105 | HARTFORD LIFE AND ACCIDENT | $140 | — | $140 | 9.97% |
| JOHN F SULLIVAN INC3 Filed as: JOHN F. SULLIVAN, INC. | 321 W BROADWAY ST ARDMORE, OK 734016230 | VISION SERVICE PLAN | $38 | — | $38 | 5.87% |
| LAWYER CLINKSCALES JR.3 | 426 SW 80TH STREET LAWTON, OK 73505 | VISION SERVICE PLAN | $26 | — | $26 | 4.02% |
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 | 425 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 425 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD | 430 | $2.9M |
| Dental | DELTA DENTAL | 395 | $127K |
| Vision | VISION SERVICE PLAN | 4 | $647 |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 443 | $1K |
| Other | HARTFORD LIFE AND ACCIDENT | 443 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 443 | — |
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.