| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS, INC. | 10011 N. FOOTHILL BLVD., STE 110 CUPERTINO, CA 95014 | KAISER FOUNDATION HEALTH PLANS INC. | $34K | — | $34K | 3.53% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFIT SVCS, INC. | 10011 N. FOOTHILL BLVD., STE 110 CUPERTINO, CA 95014 | CALIFORNIA PHYSICIANS SERVICE | $13K | — | $13K | 3.08% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS INC. | 10011 N FOOTHILL BLVD. STE 110 CUPERTINO, CA 95014 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $15K | — | $15K | 9.93% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCOUNT SERVICES INC. | DEPT 2075, P.O. BOX 29675 PHOENIX, AZ 85038 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $8K | $8K | 4.97% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS DBA KLEINBERG BENEFITS INC. INS | 10011 N FOOTHILL BLVD STE 110 CUPERTINO, CA 95014 | BLUE SHIELD OF CALIFORNIA LIFE AND HEALTH INSURANCE COMPANY | $964 | — | $964 | 3.05% |
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 | 119 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLANS INC. | 125 | $1.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 119 | $155K |
| Life insurance | BLUE SHIELD OF CALIFORNIA LIFE AND HEALTH INSURANCE COMPANY | 128 | $32K |
| Other | BLUE SHIELD OF CALIFORNIA LIFE AND HEALTH INSURANCE COMPANY | 128 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.