| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS, INC. | 10011 N FOOTHILL BLVD., STE 110 CUPERTINO, CA 95014 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $183K | — | $183K | 3.97% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS, INC. | 10011 N. FOOTHILL BLVD., STE 110 CUPERTINO, CA 95014 | CIGNA HEALTH CARE OF CALIFORNIA, INC. | $30K | — | $30K | 3.24% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS INC. | — | PRINCIPAL LIFE INSURANCE COMPANY | $13K | $1K | $14K | 3.30% |
| RIS EMPLOYEE BENEFITS INC3 | 10011 N FOOTHILL BLVD., STE 110 CUPERTINO, CA 95017 | PRINCIPAL LIFE INSURANCE COMPANY | $16K | $685 | $17K | 8.45% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS, INC | — | VISION SERVICE PLAN | $2K | — | $2K | 3.29% |
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 | 436 | 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) | 439 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 708 | $5.6M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 921 | $431K |
| Vision | VISION SERVICE PLAN | 268 | $62K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 541 | $197K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 541 | $197K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 708 | $4.6M |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 541 | $197K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 921 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.