| 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 | $65K | — | $65K | 5.02% |
| 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 | — | $8K | 2.04% |
| 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 | 0.68% |
| 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 | — | $8K | 2.09% |
| 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 | 0.70% |
| RIS EMPLOYEE BENEFITS INC3 | 221 MAIN STREET NUMBER 1642 LOS ALTOS, CA 94023 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP - NATIONAL ACCOUNT SERVICES | 7272 E. INDIAN SCHOOL ROAD, SUITE 220 SCOTTSDALE, AZ 85251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 5.00% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS DBA KLEINBERG BENEFITS INC | 221 MAIN STREET NUMBER 1462 LOS ALTOS, CA 94023 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $5K | — | $5K | 12.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCOUNT SERVICES | 7272 E. INDIAN SCHOOL RD SUITE 220 SCOTTSDALE, AZ 85251 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $1K | $1K | $3K | 5.97% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS DBA KLEINBERG BENEFITS INC. | 122 N MAIN STREET NUMBER 1462 LOS ALTOS, CA 94023 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $5K | — | $5K | 12.35% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCOUNT SERVICES | 7272 E INDIAN SCHOOL RD SUITE 220 SCOTTSDALE, AZ 85251 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $1K | $936 | $2K | 5.74% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS, INC. | 221 MAIN STREET NUMBER 1462 LOS ALTOS, CA 94023 | VISION SERVICE PLAN | $2K | — | $2K | 10.00% |
| MICHAEL G RADAKOVICH3 | 221 MAIN STREET NUMBER 1462 LOS ALTOS, CA 94023 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $195 | — | $195 | 1.78% |
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 | 187 | 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) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 94 | $2.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 140 | $149K |
| Vision | VISION SERVICE PLAN | 140 | $23K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 186 | $42K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 187 | $41K |
| Other | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 186 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.