| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS INC. INS SVCS | 10011 N FOOTHILL BLVD, STE 110 CUPERTINO, CA 95014 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $51K | — | $51K | 5.00% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS, INC. | 10011 N. FOOTHILL BLVD SUITE 110 CUPERTINO, CA 95014 | KAISER FOUNDATION HEALTH PLANS INC. | $10K | $3 | $10K | 2.60% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC. | 2300 CONTRA COSTA BLVD SUITE 375 PLEASANT HILL, CA 94523 | KAISER FOUNDATION HEALTH PLANS INC. | $3K | — | $3K | 0.87% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS, INC | 10011 N FOOTHILL BLVD. SUITE 110 CUPERTINO, CA 95014 | KAISER FOUNDATION HEALTH PLANS, INC. | $8K | $3 | $8K | 2.64% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC. | 2300 CONTRA COSTA BLVD. SUITE 375 PLEASANT HILL, CA 94523 | KAISER FOUNDATION HEALTH PLANS, INC. | $3K | — | $3K | 0.88% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCOUNT SERVICES, INC | 7272 INDIAN SCHOOL ROAD SCOTTSDALE, AZ 85251 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $7K | $20K | 15.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCOUNT SVCS INC | E INDIANE SCHOOL RD STE 220 SCOTTSDALE, AZ 85251 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $2K | $6K | 16.86% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCOUNT SERVICES, INC. | 7272 INDIAN SCHOOL RD SCOTTSDALE, AZ 85251 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $1K | $5K | 16.95% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS, INC. | 10011 N FOOTHILL BLVD., STE 110 CUPERTINO, CA 95014 | VISION SERVICE PLAN | $2K | — | $2K | 9.12% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCOUNT SERVICES INC | 7272 E INDIAN SCHOOL ROAD SCOTTSDALE, AZ 85251 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $1K | $3K | 22.94% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCOUNT SERVICES, INC. | 7272 E. INDIAN SCHOOL ROAD SCOTTSDALE, AZ 85251 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $621 | $311 | $932 | 15.00% |
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 | 166 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 89 | $1.7M |
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 109 | $139K |
| Vision | VISION SERVICE PLAN | 131 | $20K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 166 | $43K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 167 | $36K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 166 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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.