| 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 | $154K | — | $154K | 4.83% |
| MIKE RADAKOVICH3 Filed as: MIKE GEORGE RADAKOVICH | 221 MAIN STREET UNIT 1462 LOS ALTOS, CA 94023 | DELTA DENTAL OF MASSACHUSETTS | $5K | — | $5K | 2.77% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | DELTA DENTAL OF MASSACHUSETTS | $927 | — | $927 | 0.52% |
| MIKE RADKOVICH3 | 108 EAST SECOND STREET SOUDERSPORT, PA 16915 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 15.80% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $46 | $46 | 0.04% |
| MIKE RADAKOVICH3 | 221 MAIN STREET UNIT 1462 LOS ALTOS, CA 94023 | VISION SERVICE PLAN | $1K | — | $1K | 4.06% |
| DIGITAL INSURANCE LLC5 Filed as: DIGITAL INSURANCE, INC. | 300 GALLERIA PARKWAY SE STE 1100 ATLANTA, GA 30339 | VISION SERVICE PLAN | $198 | — | $198 | 0.68% |
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 | 177 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 445 | $3.2M |
| Dental | DELTA DENTAL OF MASSACHUSETTS | 318 | $177K |
| Vision | VISION SERVICE PLAN | 147 | $29K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 177 | $111K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 177 | $111K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 177 | $111K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 177 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 445 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.