| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-AMERICA | 6100 S YALE AVE STE 1900 TULSA, OK 74136 | COMMUNITY CARE | — | $19K | $19K | 1.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL HOLMES ORGANISATI | 1350 S BOULDER SUITE 1000 TULSA, OK 74119 | COMMUNITY CARE | — | $13K | $13K | 0.79% |
| LOCKTON COMPANIES, LLC3 | 8110 E UNION SUITE 700 DENVER, CO 80237 | COMMUNITY CARE | — | $6K | $6K | 0.35% |
| JIM RULEY & CO INC3 Filed as: JIM RULEY & CO. INC. | 5727 S LEWIS STE 420 TULSA, OK 74105 | DELTA DENTAL | $7K | — | $7K | 6.15% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH ST STE 600 KANSAS CITY, MO 64112 | DELTA DENTAL | $2K | — | $2K | 1.85% |
| JIM RULEY & CO INC3 Filed as: JIM RULEY & COMPANY INC. | 5727 S LEWIS AVE. STE 420 TULSA, OK 74105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 7.42% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - KANSAS | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 641843844 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.06% |
| JIM RULEY & CO INC3 Filed as: JIM RULEY & COMPANY INC. | 5727 S. LEWIS AVE. STE 420 TULSA, OK 74105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 11.47% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC - KANSAS | C/O COMMERCE BANK PO BOX 84384 KANSAS CITY, MO 641843844 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $976 | — | $976 | 4.00% |
| JIM RULEY & CO INC3 Filed as: JIM RULEY & COMPANY INC | 5727 S LEWIS AVE STE 420 TULSA, OK 74105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $972 | — | $972 | 12.22% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - KANSAS | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 641843844 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $372 | — | $372 | 4.68% |
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 | 255 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY CARE | 255 | $1.6M |
| Dental | DELTA DENTAL | 188 | $111K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 263 | $94K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 263 | $70K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 263 | $78K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 263 | $94K |
| 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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.