| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROWN RISK MANAGEMENT, LLC3 Filed as: BENEFIT AND RISK MGMT SVCS INC | 80 IRON POINT CIRCLE, SUITE 200 FOLSOM, CA 95630 | US FIRE INSURANCE COMPANY | $72K | — | $72K | 15.00% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS INC. INS | 10011 N FOOTHILL BLVD STE 110 CUPERTINO, CA 95014 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $257 | $4K | 21.36% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCOUNT SERVICES | 7272 E INDIAN SCHOOL SUITE 415 SCOTTSDALE, AZ 85251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 6.91% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS DBA KLEINBERG BENEFITS INC INS | 10011 N FOOTHILL BLVD STE 110 CUPERTINO, CA 95014 | CALIFORNIA PHYSICIANS' SERVICE | $835 | — | $835 | 5.00% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS INC INS | 10011 N FOOTHILL BLVD STE 110 CUPERTINO, CA 95014 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $187 | $3K | 21.36% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCOUNT SERVICE | 7272 E. INIDIAN SCHOOL STE 415 SCOTTSDALE, AZ 85251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $897 | $897 | 6.54% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS INC. INS | 10011 N FOOTHILL BLVD. STE 110 CUPERTINO, CA 95014 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $70 | $1K | 21.36% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCOUNT SERVICES | 7272 E INDIAN SCHOOL SUITE 415 SCOTTSDALE, AZ 85251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $357 | $357 | 6.93% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS INC INS | 10011 N FOOTHILL BLVD STE 110 CUPERTINO, CA 95014 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $375 | $27 | $402 | 21.45% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCOUNT SERVICES | 7272 E INDIANE SCHOOL ROAD SUITE 415 SCOTTSDALE, AZ 85251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $134 | $134 | 7.15% |
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 | 117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | US FIRE INSURANCE COMPANY | 136 | $480K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 90 | $63K |
| Vision | CALIFORNIA PHYSICIANS' SERVICE | 98 | $17K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 117 | $14K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 117 | $5K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 117 | $19K |
| Stop-loss / reinsurancereinsurance | US FIRE INSURANCE COMPANY | 136 | $480K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 117 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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.