| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS, INC. | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | KAISER FOUNDATION HEALTH PLAN INC | $21K | — | $21K | 2.73% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS, INC. | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | THE NORTH RIVER INSURANCE COMPANY | $63K | — | $63K | 11.76% |
| DC RISK SOLUTIONS3 | 22320 FOOTHILL BLVD SUITE 340 HAYWARD, CA 94541 | THE NORTH RIVER INSURANCE COMPANY | $32K | — | $32K | 5.88% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS, INC. | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | KAISER FOUNDATION HEALTH PLAN INC | $15K | — | $15K | 2.96% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS, INC. | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | SUN LIFE ASSURANCE COMPANY OF CANADA | $16K | — | $16K | 15.83% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FNCL SVCS LLC | P.O. BOX 29675 DEPT 2027 PHOENIX, AZ 95038 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 5.28% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS, INC. | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $2K | — | $2K | 2.93% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS, INC. | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 16.52% |
| ILIC-STONE INS SERVICES INC3 Filed as: ILIC-STONE INS. SVCS, INC. | 1255 W SHAW ST 100 A FRESNO, CA 93711 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.93% |
| MELANIE A BERGMAN3 Filed as: MELANIE BERGMAN | 561 W MINARETS AVE CLOVIS, CA 93611 | CONTINENTAL AMERICAN INSURANCE COMPANY | $518 | — | $518 | 1.10% |
| EDWARD RUSSELL RANDALL3 | 6153 AMBER AVE CLOVIS, CA 93619 | CONTINENTAL AMERICAN INSURANCE COMPANY | $124 | — | $124 | 0.26% |
| LINDA CAROL SWEENEY3 | 393 SKIDDER TRAIL SUITE 101 TRUCKEE, CA 96161 | CONTINENTAL AMERICAN INSURANCE COMPANY | $96 | — | $96 | 0.20% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS, INC. | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 15.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FNCL SVCS LLC | P.O. BOX 29675 DEPT 2027 PHOENIX, AZ 95038 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 5.00% |
| ANT FARM3 | 291 HERTIAGE WALK WOODSTOCK, GA 90188 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.00% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS, INC. | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 10.00% |
| ROBERT M NISSIM3 | 1038 BANCROFT RD CONCORD, CA 94518 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | — | $1K | 14.95% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS, INC. | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $441 | — | $441 | 5.81% |
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 | 436 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 438 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 174 | $2.0M |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 382 | $33K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 436 | $120K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 436 | $149K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 436 | $102K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 436 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 436 | — |
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.