| 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 | CALIFORNIA PHYSICIANS SERVICE | $126K | $70 | $126K | 5.29% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | CALIFORNIA PHYSICIANS SERVICE | $50K | — | $50K | 2.11% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS INC. | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | KAISER FOUNDATION HEALTH PLAN INC | $13K | — | $13K | 4.93% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS INC. | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $16K | — | $16K | 9.93% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $5K | $5K | 3.41% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS INC. | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | — | $9K | 9.93% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $3K | $3K | 3.39% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS INC. | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 12.62% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: BENEUSA LLC A WARNER PACIFIC CO | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $889 | $2K | 4.21% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS INC. | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 14.27% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: BENEUSA LLC AWARNER PACIFIC COMPANY | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $1K | $3K | 4.76% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS INC. | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 13.54% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: BENEUSA LLC A WARNER PACIFIC CO | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $1K | $2K | 4.52% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS INC. | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 13.45% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: BENEUSA LLC A WARNER PACIFIC CO | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $299 | $202 | $501 | 4.49% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS INC. | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $563 | — | $563 | 10.01% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | — | $225 | $225 | 4.00% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS INC. | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $298 | — | $298 | 9.99% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | CIGNA DENTAL HEALTH OF TEXAS, INC. | — | $119 | $119 | 3.99% |
| MIKE RADAKOVICH3 Filed as: MIKE GEORGE RADAKOVICH | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | KAISER FOUNDATION HEALTH PLAN INC | $100 | — | $100 | 3.47% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS INC. | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | CIGNA DENTAL HEALTH OF COLORADO | $234 | — | $234 | 10.01% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | CIGNA DENTAL HEALTH OF COLORADO | — | $93 | $93 | 3.98% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS INC. | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | CIGNA DENTAL HEALTH OF ILLINOIS, INC. | $222 | — | $222 | 10.02% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | CIGNA DENTAL HEALTH OF ILLINOIS, INC. | — | $89 | $89 | 4.02% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS INC. | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $215 | — | $215 | 10.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | — | $86 | $86 | 4.00% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS INC. | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $205 | — | $205 | 10.02% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | — | $82 | $82 | 4.01% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS INC. | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $178 | — | $178 | 10.02% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | CIGNA DENTAL HEALTH OF TEXAS, INC. | — | $71 | $71 | 4.00% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS INC. | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | CIGNA DENTAL HEALTH OF ILLINOIS, INC. | $168 | — | $168 | 9.98% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | CIGNA DENTAL HEALTH OF ILLINOIS, INC. | — | $67 | $67 | 3.98% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS INC. | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | CIGNA DENTAL HEALTH OF COLORADO | $145 | — | $145 | 10.01% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | CIGNA DENTAL HEALTH OF COLORADO | — | $58 | $58 | 4.00% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS INC. | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC | $85 | — | $85 | 9.98% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC | — | $34 | $34 | 3.99% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS INC. | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $56 | — | $56 | 9.98% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | — | $22 | $22 | 3.92% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS INC. | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | $26 | — | $26 | 10.16% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | — | $10 | $10 | 3.91% |
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 | 210 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 337 | $2.6M |
| Dental(14 contracts, 8 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 174 | $269K |
| Vision(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 174 | $245K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 210 | $55K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 210 | $56K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 210 | $59K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 210 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 337 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.