| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RIS EMPLOYEE BENEFITS INC3 | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | KAISER FOUNDATION HEALTH PLAN INC | $20K | — | $20K | 5.47% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES, | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | KAISER FOUNDATION HEALTH PLAN INC | $8K | — | $8K | 2.19% |
| RIS EMPLOYEE BENEFITS INC3 | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | — | $15K | 5.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES, | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $6K | $6K | 2.00% |
| RIS EMPLOYEE BENEFITS INC3 | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | KAISER FOUNDATION HEALTH PLAN INC | $13K | — | $13K | 5.43% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES, | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | KAISER FOUNDATION HEALTH PLAN INC | $5K | — | $5K | 2.18% |
| RIS EMPLOYEE BENEFITS INC3 | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | — | $9K | 7.44% |
| BENEFITMALL3 | 2111 EAST HIGHLAND AVE SUITE B210 PHOENIX, AZ 85016 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $5K | $5K | 3.97% |
| RIS EMPLOYEE BENEFITS INC3 | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 15.00% |
| BENEFITMALL3 | 2111 EAST HIGHLAND AVE SUITE B210 PHOENIX, AZ 85016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 7.45% |
| RIS EMPLOYEE BENEFITS INC3 | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.00% |
| BENEFITMALL3 | 2111 EAST HIGHLAND AVE SUITE B210 PHOENIX, AZ 85016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 7.67% |
| RIS EMPLOYEE BENEFITS INC3 | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | VISION SERVICE PLAN | $1K | — | $1K | 5.77% |
| RIS EMPLOYEE BENEFITS INC3 | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 13.67% |
| RIS EMPLOYEE BENEFITS INC3 | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $476 | — | $476 | 14.99% |
| BENEFITMALL3 | 2111 EAST HIGHLAND AVE SUITE B210 PHOENIX, AZ 85016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $235 | $235 | 7.40% |
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 | 109 | 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) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 72 | $908K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 97 | $116K |
| Vision | VISION SERVICE PLAN | 102 | $18K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 109 | $27K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 42 | $20K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 109 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 109 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.