| 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% |
| BENEFIT BROKERAGE SERVICES3 | 22320 FOOTHILL BLVD SUITE 340 HAYWARD, CA 94541 | THE NORTH RIVER INSURANCE COMPANY | $69K | — | $69K | 13.71% |
| RIS EMPLOYEE BENEFITS INC3 | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | KAISER FOUNDATION HEALTH PLAN INC | $15K | — | $15K | 2.90% |
| RIS EMPLOYEE BENEFITS INC3 | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 5.84% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FNCL SVCS | P.O. BOX 29675 DEPT2027 PHOENIX, AZ 85038 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $1K | $1K | 1.46% |
| RIS EMPLOYEE BENEFITS INC3 | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | SUN LIFE ASSURANCE COMPANY OF CANADA | $13K | — | $13K | 14.66% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN SVCS | P.O. BOX 29675 DEP 2027 PHOENIX, AZ 85038 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $4K | $4K | 4.89% |
| RIS EMPLOYEE BENEFITS INC3 | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $2K | — | $2K | 3.10% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS, INC DBA KBI | 221 MAIN STREET, UNIT 1462 LOS ALTOS, CA 94023 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 20.25% |
| MAGPIE CATTLE CO3 | 1285 W SHAW STE 101 FRESNO, CA 93711 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 12.00% |
| ILIC-STONE INS SERVICES INC3 Filed as: ILIC-STONE INS SERVICES INC. | 1285 W SHAW AVE SUITE 101 FRESNO, CA 93711 | CONTINENTAL AMERICAN INSURANCE COMPANY | $674 | — | $674 | 3.37% |
| MELANIE A BERGMAN3 | 561 W MINARETS AVE CLOVIS, CA 93611 | CONTINENTAL AMERICAN INSURANCE COMPANY | $616 | — | $616 | 3.08% |
| LINDA CAROL SWEENY3 | 869 E DARTMOUTH DR FRESNO, CA 93730 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.08% |
| ANT FARM3 | 291 HERTIAGE WALK WOODSTOCK, GA 30188 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.00% |
| RIS EMPLOYEE BENEFITS INC3 | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $67 | $2K | 10.37% |
| ROBERT M NISSIM3 | 1038 BANCROFT RD CONCORD, CA 94518 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $502 | — | $502 | 8.33% |
| RIS EMPLOYEE BENEFITS INC3 | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $347 | — | $347 | 5.76% |
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 | 396 | 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) | 399 | 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 | $1.7M |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 351 | $98K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 396 | $106K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 396 | $108K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 396 | $89K |
| Stop-loss / reinsurancereinsurance | THE NORTH RIVER INSURANCE COMPANY | 154 | $506K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 396 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 396 | — |
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.