| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS INC DBA KBI | 221 MAIN ST 1462 LOS ALTOS, CA 94023 | SUN LIFE ASSURANCE COMPANY OF CANADA | $155K | $78K | $233K | 14.67% |
| UNITED BENEFIT ADVISORS LLC3 | 20 N WACKER DRIVESTE 500 CHICAGO, IL 60606 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $39K | $39K | 2.45% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS INC DBA KBI | 221 MAIN ST #1462 LOS ALTOS, CA 940239402 | SUN LIFE ASSURANCE COMPANY OF CANADA | $18K | — | $18K | 4.57% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINCL SVCS | 1133 WESTCHESTER AVE STE S229 WHITE PLAINS, NY 10604 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $8K | $8K | 1.93% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS INC DBA KBI | 221 MAIN ST 1462 LOS ALTOS, CA 940239402 | SUN LIFE ASSURANCE COMPANY OF CANADA | $27K | — | $27K | 12.34% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINCL SVCS | 1133 WESTCHESTER AVE STE S229 WHITE PLAINS, NY 10604 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $8K | $8K | 3.85% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS, INC. | 221 MAIN STREET 1462 LOS ALTOS, CA 94023 | VISION SERVICE PLAN | $2K | — | $2K | 3.07% |
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 | 475 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 479 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 475 | $1.8M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 445 | $391K |
| Vision | VISION SERVICE PLAN | 293 | $70K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 475 | $218K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 475 | $218K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 475 | $218K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 437 | $1.6M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 475 | $218K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 475 | — |
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.