| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 | 17940 N PIMA RD SUITE 210 SCOTTSDALE, AZ 85255 | RELIASTAR LIFE INSURANCE COMPANY | $24K | $51K | $75K | 7.33% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS, INC | 221 MAIN STREET UNIT 1462 LOS ALTOS, CA 94023 | KAISER FOUNDATION HEALTH PLAN INC | $27K | — | $27K | 3.03% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS, INC | 221 MAIN STREET UNIT 1462 LOS ALTOS, CA 94023 | KAISER FOUNDATION HEALTH PLAN INC | $20K | — | $20K | 3.00% |
| MIKE RADAKOVICH3 | 221 MAIN STREET UNIT 1462 LOS ALTOS, CA 94023 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $21K | — | $21K | 15.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS BENEFITMALL | P.O. BOX 29675 DEPT 2027 PHOENIX, AZ 85038 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $11K | $11K | 7.50% |
| MIKE RADAKOVICH3 | 221 MAIN STREET UNIT 1462 LOS ALTOS, CA 94023 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $3K | — | $3K | 3.01% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS, INC. | 221 MAIN STREET UNIT 1462 LOS ALTOS, CA 94023 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 13.97% |
| MAGPIE CATTLE CO3 | 1285 W SHAW FRESNO, CA 93711 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 10.26% |
| EDWARD RUSSELL RANDALL3 | 2377 W SHAW AVE SUITE 104 FRESNO, CA 93711 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.92% |
| LORRIE ANN RODRIGUEZ3 | 6142 N IVANHOE AVE FRESNO, CA 93722 | CONTINENTAL AMERICAN INSURANCE COMPANY | $502 | — | $502 | 0.90% |
| ILIC-STONE INS SERVICES INC3 Filed as: ILIC STONE INSURANCE SERVICES | 1255 W SHAW ST SUITE 100A FRESNO, CA 93711 | CONTINENTAL AMERICAN INSURANCE COMPANY | $307 | — | $307 | 0.55% |
| MELANIE A BERGMAN3 Filed as: MELANIE BERGMAN | 561 W MINARETS AVE CLOVIS, CA 93611 | CONTINENTAL AMERICAN INSURANCE COMPANY | $92 | — | $92 | 0.17% |
| LINDA CAROL SWEENEY3 | 393 SKIDDER TRAIL SUITE 101 TRUCKEE, CA 96161 | CONTINENTAL AMERICAN INSURANCE COMPANY | $52 | — | $52 | 0.09% |
| ANT FARM3 | 291 HERTIAGE WALK WOODSTOCK, GA 30188 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $2K | $6K | 16.34% |
| RIS EMPLOYEE BENEFITS INC3 | 221 MAIN STREET UNIT 1462 LOS ALTOS, CA 94023 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $151 | $4K | 11.30% |
| RIS EMPLOYEE BENEFITS INC3 | 221 MAIN STREET UNIT 1462 LOS ALTOS, CA 94023 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS BENEFITMALL | P.O. BOX 29675 DEPT 2027 PHOENIX, AZ 85038 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $1K | $1K | 4.00% |
| ROBERT M NISSIM3 Filed as: ROBERT NISSIM | 1038 BANCROFT RD CONCORD, CA 94518 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | — | $2K | 11.30% |
| RIS EMPLOYEE BENEFITS INC3 | 221 MAIN STREET UNIT 1462 LOS ALTOS, CA 94023 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $842 | — | $842 | 6.15% |
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 | 441 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 445 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 6 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 350 | $2.8M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 603 | $56K |
| Life insurance(3 contracts, 3 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 441 | $196K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 441 | $140K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 441 | $140K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 350 | $1.0M |
| Other(3 contracts, 3 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 441 | $191K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 603 | — |
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.