| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS, INC. | 10011 N FOOTHILL BLVD, STE 110 CUPERTINO, CA 95014 | KAISER FOUNDATION HEALTH PLAN INC. | $15K | — | $15K | 2.91% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS DBA KLEINBERG BENEFITS INC INS | 10011 N FOOTHILL BLVD, STE 110 CUPERTINO, CA 95014 | US FIRE INSURANCE COMPANY | $25K | — | $25K | 10.03% |
| BENEFIT BROKERAGE SERVICES3 | 40485 ENCYCLOPEDIA CIRCLE FREMONT, CA 94538 | US FIRE INSURANCE COMPANY | $12K | — | $12K | 5.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP-NAS | 7272 EAST INDIAN SCHOOL RD STE 220 SCOTTSDALE, AZ 85251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 13.00% |
| MIKE RADAKOVICH3 | N FOOTHILL BLVD., STE 110 CUPERTINO, CA 95014 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $1K | — | $1K | 2.59% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP-NATIONAL ACCOUNT SERVICES INC. | 7272 E INDIAN SCHOOL RD, STE 415 SCOTTSDALE, AZ 85251 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $1K | $6K | 18.36% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCOUNT SERVICES INC. | 7272 E INDIANC SCHOOL RD, STE 415 SCOTTSDALE, AZ 85251 | SUN LIFE AND HEALTH INSURANCE COMPANY (US) | $50 | — | $50 | 8.43% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCOUNT SERVICES INC. | 340 MADISON AVE, 21ST FLOOR NEW YORK, NY 10017 | SUN LIFE AND HEALTH INSURANCE COMPANY (US) | $14 | — | $14 | 2.36% |
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 | 197 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 153 | $857K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 172 | $119K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 183 | $31K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 183 | $32K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 183 | $31K |
| Stop-loss / reinsurancereinsurance | US FIRE INSURANCE COMPANY | 74 | $246K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 183 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.