| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EAST WEST ADMINISTRATORS3 | 22320 FOOTHILL BLVD SUITE 340 HAYWARD, CA 94541 | THE NORTH RIVER INSURANCE COMPANY | $141K | — | $141K | 15.00% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS INC. | 221 MAIN STREET UNIT 1462 LOS ALTOS, CA 94023 | KAISER FOUNDATION HEALTH PLAN INC | $26K | — | $26K | 2.96% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS INC. | 221 MAIN STREET UNIT 1462 LOS ALTOS, CA 94023 | KAISER FOUNDATION HEALTH PLAN INC | $18K | — | $18K | 2.99% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS INC. | 221 MAIN STREET UNIT 1462 LOS ALTOS, CA 94023 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 15.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE BENEFITMALL | P.O. BOX 29675 DEPT 2027 PHOENIX, AZ 85038 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $5K | $5K | 5.00% |
| MIKE RADAKOVICH3 | 221 MAIN STREET UNIT 1462 LOS ALTOS, CA 94023 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $3K | — | $3K | 2.95% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS INC. | 221 MAIN STREET UNIT 1462 LOS ALTOS, CA 94023 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 14.15% |
| MAGPIE CATTLE CO3 | 1285 W SHAW 101 FRESNO, CA 93711 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 4.62% |
| EDWARD RUSSELL RANDALL3 | 6153 AMER AVE CLOVIS, CA 93619 | CONTINENTAL AMERICAN INSURANCE COMPANY | $811 | — | $811 | 1.61% |
| ILIC-STONE INS SERVICES INC3 Filed as: ILIC-STONE INS SVCS INC | 1255 W SHAW FRESNO, CA 93711 | CONTINENTAL AMERICAN INSURANCE COMPANY | $687 | — | $687 | 1.37% |
| LORRIE ANN RODRIGUEZ3 | 1285 W SHAW STE 101 FRESNO, CA 93711 | CONTINENTAL AMERICAN INSURANCE COMPANY | $208 | — | $208 | 0.41% |
| MELANIE A BERGMAN3 | 561 W MINARETS AVE CLOVIS, CA 93611 | CONTINENTAL AMERICAN INSURANCE COMPANY | $93 | — | $93 | 0.18% |
| LINDA CAROL SWEENEY3 | 393 SKIDDER TRAIL TRUCKEE, CA 96161 | CONTINENTAL AMERICAN INSURANCE COMPANY | $64 | — | $64 | 0.13% |
| ANT FARM3 | 291 HERTIAGE WALK WOODSTOCK, GA 30188 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $2K | $6K | 13.78% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS INC. | 221 MAIN STREET UNIT 1462 LOS ALTOS, CA 94023 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 9.19% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS INC. | 221 MAIN STREET UNIT 1462 LOS ALTOS, CA 94023 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| BENEFITMALL3 | P.O. BOX 29675 DEPT 2027 PHOENIX, AZ 85038 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $1K | $1K | 4.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FNCL SVS LLC | P.O. BOS 29675 DEPT 2027 PHOENIX, AZ 85038 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $1 | $1 | 0.00% |
| ROBERT M NISSIM4 Filed as: ROBERT NISSIM | 1038 BANCROFT RD CONCORD, CA 94518 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | — | $2K | 13.36% |
| RIS EMPLOYEE BENEFITS INC4 Filed as: RIS EMPLOYEE BENEFITS INC. | 221 MAIN STREET UNIT 1462 LOS ALTOS, CA 94023 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | — | $1K | 5.90% |
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 | 516 | 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) | 518 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 5 carriers) | THE NORTH RIVER INSURANCE COMPANY | 258 | $2.6M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 658 | $31K |
| Life insurance(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 516 | $147K |
| Short-term disability(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 516 | $156K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 516 | $106K |
| Stop-loss / reinsurancereinsurance | THE NORTH RIVER INSURANCE COMPANY | 258 | $942K |
| Other(3 contracts, 3 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 516 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 658 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.