| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RIS EMPLOYEE BENEFITS INC3 | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $83K | — | $83K | 5.00% |
| RIS EMPLOYEE BENEFITS INC3 | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | KAISER FOUNDATION HEALTH PLAN INC | $12K | — | $12K | 2.04% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2300 CONTRA COSTA BLVD STE 375 PLEASANT HILL, CA 94523 | KAISER FOUNDATION HEALTH PLAN INC | $4K | — | $4K | 0.68% |
| RIS EMPLOYEE BENEFITS INC3 | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | KAISER FOUNDATION HEALTH PLAN INC | $9K | — | $9K | 2.05% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | 2300 CONTRA COSTA BLVD SUITE 375 PLEASANT HILL, CA 94023 | KAISER FOUNDATION HEALTH PLAN INC | $3K | — | $3K | 0.68% |
| RIS EMPLOYEE BENEFITS INC3 | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | $1K | $15K | 10.86% |
| BENEFITMALL3 | P.O. BOX 2027 DEPT 2027 PHOENIX, AZ 85038 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $6K | $6K | 4.34% |
| RIS EMPLOYEE BENEFITS INC3 | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 10.00% |
| BENEFITMALL3 | P.O. BOX 2027 DEPT 2027 PHOENIX, AZ 85038 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $3K | $3K | 5.00% |
| RIS EMPLOYEE BENEFITS INC3 | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 10.00% |
| BENEFITMALL3 | P.O. BOX 2027 DEPT 2027 PHOENIX, AZ 85038 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $3K | $3K | 5.00% |
| RIS EMPLOYEE BENEFITS INC3 | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | VISION SERVICE PLAN | $3K | — | $3K | 9.99% |
| RIS EMPLOYEE BENEFITS INC3 | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | LIFEWORKS US LTD | $628 | — | $628 | 3.60% |
| RIS EMPLOYEE BENEFITS INC3 | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $789 | — | $789 | 10.00% |
| BENEFITMALL3 | P.O. BOX 2027 DEPT 2027 PHOENIX, AZ 85038 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $395 | $395 | 5.00% |
| RIS EMPLOYEE BENEFITS INC3 | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $416 | — | $416 | 10.00% |
| BENEFITMALL3 | 2111 EAST HIGHLAND AVE SUITE 1462 PHOENIX, AZ 85016 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $166 | $166 | 3.99% |
| ROBERT M NISSIM3 | 1038 BANCROFT RD CONCORD, CA 94518 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $450 | — | $450 | 18.09% |
| MIKE RADAKOVICH3 | 1001 N FOOTHILL BLVD. SUITE 110 CUPERTINO, CA 95014 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | $163 | — | $163 | 17.23% |
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 | 193 | 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) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 230 | $2.7M |
| Dental(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 151 | $146K |
| Vision | VISION SERVICE PLAN | 144 | $27K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 193 | $50K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 193 | $55K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 193 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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.