| 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 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $25K | — | $25K | 9.93% |
| BENEFITMALL3 | 2111 EAST HIGHLAND AVE SUITE 1462 PHOENIX, AZ 85038 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $10K | $10K | 3.97% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS, INC. | 221 MAIN STREET UNIT 1462 LOS ALTOS, CA 94023 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $9K | $10K | 12.57% |
| BENEFITMALL3 | DEPT 2027 PHOENIX, AZ 85038 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $7K | $7K | 8.62% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS, INC. | 221 MAIN STREET UNIT 1462 LOS ALTOS, CA 94023 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $8K | $10K | 12.70% |
| BENEFITMALL3 | DEPT 2027 PHOENIX, AZ 85038 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $6K | $6K | 8.46% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS, INC. | 221 MAIN STREET UNIT 1462 LOS ALTOS, CA 94023 | VISION SERVICE PLAN | $4K | — | $4K | 10.01% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS, INC. | 221 MAIN STREET UNIT 1462 LOS ALTOS, CA 94023 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.86% |
| BENEFITMALL3 | DEPT 2027 PHOENIX, AZ 85038 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | 8.47% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS, INC. | 221 MAIN STREET UNIT 1462 LOS ALTOS, CA 94023 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $356 | — | $356 | 9.99% |
| BENEFITMALL3 | DEPT 2027 PHOENIX, AZ 85038 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $0 | $142 | $142 | 3.99% |
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 | 260 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CLAREMONT EAP | 250 | $14K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 224 | $260K |
| Vision | VISION SERVICE PLAN | 221 | $36K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 260 | $83K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 260 | $77K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 260 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 260 | — |
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."
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.