| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RIS EMPLOYEE BENEFITS INC3 | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | NIPPON LIFE BENEFITS | $106K | — | $106K | 5.03% |
| RIS EMPLOYEE BENEFITS INC3 | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | KAISER FOUNDATION HEALTH PLAN INC | $11K | — | $11K | 2.27% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2300 CONTRA COSTA BLVD SUITE 375 PLEASANT HILL, CA 94523 | KAISER FOUNDATION HEALTH PLAN INC | $4K | — | $4K | 0.76% |
| RIS EMPLOYEE BENEFITS INC3 | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | KAISER FOUNDATION HEALTH PLAN INC | $8K | — | $8K | 2.53% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2300 CONTRA COSTA BLVD SUITE 375 PLEASANT HILL, CA 94523 | KAISER FOUNDATION HEALTH PLAN INC | $3K | — | $3K | 0.84% |
| RIS EMPLOYEE BENEFITS INC3 | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $17K | — | $17K | 9.93% |
| BENEFITMALL3 | 2111 EAST HIGHLAND AVE. B210 PHOENIX, AZ 85016 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $7K | $7K | 3.97% |
| RIS EMPLOYEE BENEFITS INC3 | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 9.99% |
| BENEFITMALL3 | 2111 E. HIGHLAND AVENUE SUITE B210 PHOENIX, AZ 85016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $3K | $3K | 5.04% |
| RIS EMPLOYEE BENEFITS INC3 | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 9.97% |
| BENEFITMALL3 | 2111 E. HIGHLAND AVENUE SUITE B210 PHOENIX, AZ 85016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $3K | $3K | 5.15% |
| RIS EMPLOYEE BENEFITS INC3 | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | VISION SERVICE PLAN | $3K | — | $3K | 9.93% |
| RIS EMPLOYEE BENEFITS INC3 | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.21% |
| BENEFITMALL3 | 2111 E. HIGHLAND AVENUE SUITE B210 PHOENIX, AZ 85016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $585 | $585 | 5.10% |
| ROBERT M NISSIM4 Filed as: ROBERT NISSIM | 1038 BANCROFT RD CONCORD, CA 94518 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $734 | — | $734 | 9.98% |
| RIS EMPLOYEE BENEFITS INC3 | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $494 | — | $494 | 6.72% |
| RIS EMPLOYEE BENEFITS INC3 | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $540 | — | $540 | 10.00% |
| BENEFITMALL3 | 2111 EAST HIGHLAND AVE. SUITE B210 PHOENIX, AZ 85016 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | — | $216 | $216 | 4.00% |
| RIS EMPLOYEE BENEFITS INC3 | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | CIGNA DENTAL HEALTH OF COLORADO | $13 | — | $13 | 9.85% |
| BENEFITMALL3 | 2111 EAST HIGHLAND AVE. SUITE B210 PHOENIX, AZ 85016 | CIGNA DENTAL HEALTH OF COLORADO | — | $5 | $5 | 3.79% |
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 | 215 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | NIPPON LIFE BENEFITS | 215 | $2.9M |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 172 | $177K |
| Vision | VISION SERVICE PLAN | 166 | $28K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 215 | $69K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 215 | $61K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 215 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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.