| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS INC. | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $65K | — | $65K | 4.99% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS INC. | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | KAISER FOUNDATION HEALTH PLAN INC. | $11K | — | $11K | 2.40% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA | 2300 CONTRA COSTA BLVD SUITE 375 PLEASANT HILL, CA 945233976 | KAISER FOUNDATION HEALTH PLAN INC. | $4K | — | $4K | 0.80% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS INC. | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | KAISER FOUNDATION HEALTH PLAN INC. | $8K | — | $8K | 2.46% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA | 2300 CONTRA COSTA BLVD SUITE 375 PLEASANT HILL, CA 94523 | KAISER FOUNDATION HEALTH PLAN INC. | $3K | — | $3K | 0.82% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS INC. | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $15K | — | $15K | 9.93% |
| BENEFITMALL3 | 2111 E HIGHLAND AVE SUITE B210 PHOENIX, AZ 86016 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $6K | $6K | 3.97% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS INC. | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 10.00% |
| BENEFITMALL3 | 5090 NORTH 40TH STREET SUITE 100 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $4K | $4K | 8.44% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS INC. | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.00% |
| BENEFITMALL3 | 5090 NORTH 40TH STREET PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 8.50% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS INC. | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | VISION SERVICE PLAN | $2K | — | $2K | 10.00% |
| MIKE RADAKOVICH3 | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $454 | — | $454 | 2.68% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS INC. | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $460 | — | $460 | 8.11% |
| BENEFITMALL3 | 5090 NORTH 40TH STREET SUITE 100 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $441 | $441 | 7.78% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS INC. | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | CIGNA DENTAL HEALTH OF CALIFORNIA | $435 | — | $435 | 10.00% |
| BENEFITMALL3 | 2111 E HIGHLAND AVE SUITE B210 PHOENIX, AZ 86016 | CIGNA DENTAL HEALTH OF CALIFORNIA | — | $174 | $174 | 4.00% |
| ROBERT M NISSIM3 Filed as: ROBERT NISSIM | 1038 BANCROFT RD CONCORD, CA 94518 | PRE-PAID LEGAL SERVICES INC DBA LEAGLESHIELD | $159 | — | $159 | 20.20% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS INC. | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | PRE-PAID LEGAL SERVICES INC DBA LEAGLESHIELD | $63 | — | $63 | 8.01% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS INC. | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | CIGNA DENTAL HEALTH OF COLORADO, INC. | $24 | — | $24 | 10.08% |
| BENEFITMALL3 | 2111 E HIGHLAND AVE SUITE B210 PHOENIX, AZ 86016 | CIGNA DENTAL HEALTH OF COLORADO, INC. | — | $10 | $10 | 4.20% |
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 | 198 | 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) | 201 | 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 | 95 | $2.1M |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 155 | $154K |
| Vision | VISION SERVICE PLAN | 155 | $24K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 198 | $34K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 198 | $52K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 198 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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.