| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS DBA KLEINBERG BENEFITS INC INS | 10011 N FOOTHILL BLVD., STE 110 CUPERTINO, CA 95014 | KAISER FOUNDATION HEALTH PLANS, INC. | $35K | — | $35K | 4.98% |
| EAST WEST ADMINISTRATORS3 | 40485 ENCYCLOPEDIA CIRCLE FREMONT, CA 94538 | US FIRE INSURANCE COMPANY | $47K | — | $47K | 15.00% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS DBA KLEINBERG BENEFITS INC INS | 10011 N. FOOTHILL BLVD., STE 110 CUPERTINO, CA 95014 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 5.00% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS INC DBA KBI | 10011 N FOOTHILL BLVD STE 110 CUPERTINO, CA 95014 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 12.00% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $52 | $52 | 0.05% |
| RIS EMPLOYEE BENEFITS INC3 | 10011 N. FOOTHILL BLVD., STE 110 CUPERTINO, CA 95014 | VISION SERVICE PLAN | $1K | — | $1K | 4.96% |
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 | 158 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLANS, INC. | 130 | $1.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 315 | $150K |
| Vision | VISION SERVICE PLAN | 129 | $26K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 158 | $95K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 158 | $95K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 158 | $95K |
| Stop-loss / reinsurancereinsurance | US FIRE INSURANCE COMPANY | 92 | $315K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 158 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 315 | — |
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.