| 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. | $16K | $7 | $16K | 2.78% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS, INC. | 10011 N FOOTHILL BLVD., STE 110 CUPERTINO, CA 95014 | KAISER FOUNDATION HEALTH PLAN INC. | $11K | $5 | $11K | 2.96% |
| BENEFIT BROKERAGE SERVICES3 | 40485 ENCYCLOPEDIA CIRCLE FREMONT, CA 94538 | US FIRE INSURANCE COMPANY | $43K | — | $43K | 16.47% |
| MICHAEL RADAKOVICH3 | 10011 N FOOTHILL BLVD., STE 110 CUPERTINO, CA 95014 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $19K | — | $19K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCOUNT SERVICES | 7272 E INDIAN SCHOOL RD., STE 415 SCOTTSDALE, AZ 852513952 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 3.00% |
| MIKE RADAKOVICH3 | N FOOTHILL BLVD., STE 110 CUPERTINO, CA 95014 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $3K | — | $3K | 2.56% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP-NATIONAL ACCOUNT SERVICES | DEPT 2075 P.O. BOX 29675 PHOENIX, AZ 85038 | RELIANCE STANDARD LIFE INSURANCE | $4K | — | $4K | 20.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP-NATIONAL ACCOUNT SERVICES | DEPT 2075 P.O. BOX 29675 PHOENIX, AZ 85038 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 19.67% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP-NATIONAL ACCOUNT SERVICES | DEPT 2075 P.O. BOX 29675 PHOENIX, AZ 85038 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
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 | 292 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 127 | $1.3M |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 259 | $190K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 259 | $190K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 292 | $16K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 257 | $13K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE | 257 | $21K |
| Stop-loss / reinsurancereinsurance | US FIRE INSURANCE COMPANY | 108 | $261K |
| Other(2 contracts, 2 carriers) | US FIRE INSURANCE COMPANY | 292 | $277K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 292 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.