| 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 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $57K | — | $57K | 4.05% |
| BEERE & PURVES INC3 Filed as: BEERE & PURVES | 1350 TREAT BLVD. SUITE 470 WALNUT CREEK, CA 94597 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | — | $28K | $28K | 1.99% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS | 10011 N FOOTHILL BLVD., SUITE 110 CUPERTINO, CA 95014 | BLUE CROSS OF CALIFORNIA | $43K | — | $43K | 4.05% |
| BEERE & PURVES INC3 Filed as: BEERE AND PURVES | 1350 TREAT BLVD., SUITE 470 WALNUT CREEK, CA 94597 | BLUE CROSS OF CALIFORNIA | — | $21K | $21K | 1.99% |
| MICHAEL KIRKPATRICK3 | 1400 COLEMAN AVE SANTA CLARA, CA 95050 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $623 | — | $623 | 2.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 3697 MT. DIABLO BLVD LAFAYETTE, CA 94549 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $324 | — | $324 | 1.06% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS DBA KBI | 10011 N FOOTHILL BLVD., STE 110 CUPERTINO, CA 95014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $251 | — | $251 | 0.82% |
| ZANA KIRKPATRICK3 | 1400 COLEMAN AVENUE SANTA CLARA, CA 95050 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $140 | — | $140 | 0.46% |
| DOUGLAS LOYAL NERDAHL3 | 41 W 4TH AVENUE SAN MATEO, CA 94402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $90 | — | $90 | 0.29% |
| MARK TETSUO IWASAKI3 | 133 CRABAPPLE CT HURCULES, CA 94547 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $79 | $3 | $82 | 0.27% |
| ELTON ISRAEL CRUZ3 | 3800 WEST DEVONSHIRE AVE HEMET, CA 92545 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | — | $51 | 0.17% |
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 | 136 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 367 | $2.5M |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 367 | $1.4M |
| Life insurance(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 367 | $1.4M |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 25 | $31K |
| Other | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 367 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 367 | — |
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.