| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT BROKERAGE SERVICES3 Filed as: BENEFIT BROKERAGE SERVICE | 40485 ENCYCLOPEDIA CIRCLE FREMONT, CA 94538 | BENEFITS & RISK MANAGEMENT SERVICES | — | $45K | $45K | 2.80% |
| RIS EMPLOYEE BENEFITS INC3 | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 95014 | CIGNA HEALTH ADN LIFE INSURANCE COMPANY AND AFFILIATES | $14K | — | $14K | 7.31% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AGENCY | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | CIGNA HEALTH ADN LIFE INSURANCE COMPANY AND AFFILIATES | — | $4K | $4K | 2.25% |
| BENEFITMALL3 | 2111 EAST HIGHLAND AVENUE SUITE B210 PHOENIX, AZ 85016 | CIGNA HEALTH ADN LIFE INSURANCE COMPANY AND AFFILIATES | — | $1K | $1K | 0.68% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS, INC. | 221 MAIN STREET UNIT 1462 LOS ALTOS, CA 94023 | VISION SERVICE PLAN | $819 | — | $819 | 2.43% |
| LEAGUE CORP3 | 111 WEST ILLINOIS STREET 5TH FLOOR CHICAGO, IL 60654 | VISION SERVICE PLAN | $692 | — | $692 | 2.06% |
| BENEFITMALL3 | 5090 NORTH 40TH STREET SUITE 100 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $506 | $6K | 17.66% |
| LEAGUE CORP3 | 111 WEST ILLINOIS STREET 5TH FLOOR CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 3.87% |
| BENEFITMALL3 | 5090 NORTH 40TH STREET SUITE 100 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $411 | $5K | 17.65% |
| LEAGUE CORP3 | 111 WEST ILLINOIS STREET 5TH FLOOR CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 3.88% |
| BENEFITMALL3 | 5090 NORTH 40TH STREET SUITE 100 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $296 | $3K | 17.90% |
| LEAGUE CORP3 | 111 WEST ILLINOIS STREET 5TH FLOOR CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $684 | — | $684 | 3.70% |
| BENEFITMALL3 | 5090 NORTH 40TH STREET SUITE 100 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $751 | $79 | $830 | 18.01% |
| LEAGUE CORP3 | 111 WEST ILLINOIS STREET 5TH FLOOR CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $171 | — | $171 | 3.71% |
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 | 188 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH ADN LIFE INSURANCE COMPANY AND AFFILIATES | 168 | $194K |
| Vision | VISION SERVICE PLAN | 160 | $34K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 190 | $19K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 190 | $33K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 190 | $27K |
| Stop-loss / reinsurancereinsurance | BENEFITS & RISK MANAGEMENT SERVICES | 175 | $1.6M |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 190 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.