| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS, INC | 221 MAIN STREET UNIT 1462 LOS ALTOS, CA 94023 | UNITED HEALTHCARE INSURANCE COMPANY | $146K | — | $146K | 5.39% |
| MIKE RADAKOVICH3 Filed as: MIKE GEORGE RADAKOVICH | 221 MAIN STREET UNIT 1462 LOS ALTOS, CA 94023 | DELTA DENTAL OF MASSACHUSETTS | $6K | — | $6K | 3.41% |
| MIKE RADKOVICH3 | 108 EAST SECOND STREET SOUDERSPORT, PA 16915 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 15.89% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $45 | $45 | 0.04% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS, INC | 221 MAIN STREET UNIT 1462 LOS ALTOS, CA 94023 | VISION SERVICE PLAN | $1K | — | $1K | 4.77% |
| ENROLLEASE5 Filed as: ENROLLEASE, INC DBA EASECENTRAL | 1980 FESTIVAL PLAZA DR SUITE 810 LAS VEGAS, NV 89135 | VISION SERVICE PLAN | $0 | $366 | $366 | 1.25% |
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 | 219 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 321 | $2.7M |
| Dental | DELTA DENTAL OF MASSACHUSETTS | 336 | $162K |
| Vision | VISION SERVICE PLAN | 174 | $29K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 219 | $110K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 219 | $110K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 219 | $110K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 219 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 336 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.