| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JIM RULEY & CO INC3 Filed as: JIM WHORTON & ASSOC INC | 11200 JOLLYVILLE ROAD AUSTIN, TX 78759 | HUMANA HEALTH PLAN OF TEXAS, INC. | $124K | — | $124K | 4.97% |
| JIM RULEY & CO INC3 Filed as: JIM WHORTON & ASSOC INC | 11200 JOLLYVILLE RD AUSTIN, TX 78759 | HUMANA DENTAL INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SVCS | 12404 PARK CENTRAL DRIVE SUITE 4005 DALLAS, TX 75251 | HUMANA DENTAL INSURANCE COMPANY | — | $319 | $319 | 0.78% |
| JIM WHORTON & ASSOCIATES, INC.3 Filed as: JIM WHORTON & ASSOCIATES INC | 11200 JOLLYVILLE ROAD AUSTIN, TX 78759 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| JIMMY C WHORTON3 | 11200 JOLLYVILLE ROAD AUSTIN, TX 78759 | HARDFORD LIFE AND ACCIDENT | $6K | — | $6K | 20.00% |
| JIM RULEY & CO INC3 Filed as: JIM WHORTON & ASSOC INC | 11200 JOLLYVILLE ROAD AUSTIN, TX 78759 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| JIM RULEY & CO INC3 Filed as: JIM WHORTON & ASSOC INC | 11200 JOLLYVILLE ROAD AUSTIN, TX 78759 | DENTICARE, INC. | $643 | — | $643 | 10.01% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | DENTICARE, INC. | — | $124 | $124 | 1.93% |
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 | 160 | 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) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN OF TEXAS, INC. | 150 | $2.5M |
| Dental(2 contracts, 2 carriers) | HUMANA DENTAL INSURANCE COMPANY | 52 | $47K |
| Vision | HUMANA INSURANCE COMPANY | 71 | $17K |
| Life insurance | HARDFORD LIFE AND ACCIDENT | 74 | $28K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 156 | $36K |
| Other | HARDFORD LIFE AND ACCIDENT | 74 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.