| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS, INC. | 10011 N. FOOTHILL BLVD. SUITE 110 CUPERTINO, CA 95014 | KAISER FOUNDATION HEALTH PLANS INC. | $120K | — | $120K | 3.17% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFIT SVCS INC | 10011 N FOOTHILL BLVD SUITE 110 CUPERTINO, CA 95014 | DELTA DENTAL OF CALIFORNIA | $18K | — | $18K | 4.17% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS, INC. | 10011 N FOOTHILL BLVD STE 110 CUPERTINO, CA 95014 | VISION SERVICE PLAN | $2K | — | $2K | 3.42% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMP BENEFITS DBA KLEINBERG | 10011 N. FOOTHILL BLVD. SUITE 110 CUPERTINO, CA 95014 | DELTA DENTAL OF CALIFORNIA | $2K | — | $2K | 3.27% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS INC INS SVCS | 10011 N FOOTHILL BLVD., STE 110 CUPERTINO, CA 95014 | DELTA DENTAL OF CALIFORNIA | $688 | — | $688 | 1.30% |
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 | 533 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 538 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLANS INC. | 857 | $3.8M |
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 545 | $483K |
| Vision | VISION SERVICE PLAN | 359 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 857 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.