| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RIS EMPLOYEE BENEFITS INC3 | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | KAISER FOUNDATION HEALTH PLAN INC | $19K | — | $19K | 3.29% |
| RIS EMPLOYEE BENEFITS INC3 | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | KAISER FOUNDATION HEALTH PLAN INC | $13K | — | $13K | 2.91% |
| RIS EMPLOYEE BENEFITS INC3 | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | UNITED STATES FIRE INSURANCE COMPANY | $15K | — | $15K | 4.91% |
| BENEFIT BROKERAGE SERVICES3 | 22320 FOOTHILL BLVD. SUITE 340 HAYWARD, CA 94541 | UNITED STATES FIRE INSURANCE COMPANY | $8K | — | $8K | 2.50% |
| RIS EMPLOYEE BENEFITS INC3 | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $3K | — | $3K | 3.41% |
| RIS EMPLOYEE BENEFITS INC3 | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 14.85% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN SVCS | P.O. BOX 29675 DEPT 2027 PHOENIX, AZ 85038 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $3K | $3K | 4.95% |
| RIS EMPLOYEE BENEFITS INC3 | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 15.19% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AND FNCL SVCS | P.O. BOX 29675 DEPT 2072 PHOENIX, AZ 85038 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 5.06% |
| RIS EMPLOYEE BENEFITS INC3 | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 9.78% |
| MAGPIE CATTLE CO3 | 1285 SHAW SUITE 101 FRESNO, CA 93744 | CONTINENTAL AMERICAN INSURANCE COMPANY | $951 | — | $951 | 6.93% |
| ILIC-STONE INS SERVICES INC3 Filed as: ILIC-STONE INS SVCS INC | 1285 W SHAW AVE SUITE 101 FRESNO, CA 93711 | CONTINENTAL AMERICAN INSURANCE COMPANY | $224 | — | $224 | 1.63% |
| MELANIE A BERGMAN3 | 561 W MANARETS AVE CLOVIS, CA 93611 | CONTINENTAL AMERICAN INSURANCE COMPANY | $168 | — | $168 | 1.22% |
| ROBERT M NISSIM4 | 1038 BANCROFT RD CONCORD, CA 94518 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $295 | — | $295 | 20.11% |
| RIS EMPLOYEE BENEFITS INC3 | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $41 | — | $41 | 2.79% |
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 | 360 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 363 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 160 | $1.4M |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 320 | $26K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 360 | $63K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 360 | $77K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 360 | $63K |
| Stop-loss / reinsurancereinsurance | UNITED STATES FIRE INSURANCE COMPANY | 146 | $310K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 360 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 360 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.