| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RIS EMPLOYEE BENEFITS INC3 | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 8.25% |
| DAVID W WHITE INC.3 Filed as: DAVID W WHITE INC | 3150 CROW CANYON PL SUITE 200 SAN RAMON, CA 945831324 | HUMANA INSURANCE COMPANY | $258 | — | $258 | 1.45% |
| ENROLLEASE5 | 660 YORK STREET SUITE 102 SAN FRANCISCO, CA 94110 | HUMANA INSURANCE COMPANY | $243 | — | $243 | 1.37% |
| RIS EMPLOYEE BENEFITS INC3 | 221 MAIN STREET SUITE 1462 LOS ALTOS, CA 94023 | HARTFORD LIFE AND ACCIDENT | $352 | — | $352 | 10.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | HARTFORD LIFE AND ACCIDENT | $0 | $176 | $176 | 5.00% |
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 | 204 | 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) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 170 | $18K |
| Vision | HUMANA INSURANCE COMPANY | 170 | $18K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 204 | $4K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 204 | $4K |
| Other | HARTFORD LIFE AND ACCIDENT | 204 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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.