| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 SOUTH EL CAMINO REAL STE 407 SAN MATEO, CA 94402 | UNITED HEALTHCARE INSURANCE COMPANY | $127K | $0 | $127K | 5.95% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 S EL CAMINO REAL SUITE 407 SAN MATEO, CA 94410 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $28K | $0 | $28K | 6.98% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 4615 WALZEM RD. SUITE 300 SAN ANTONIO, TX 78218 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $0 | $13K | 9.06% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 4615 WALZEM RD. SUITE 300 SAN ANTONIO, TX 78218 | EYEMED VISION CARE BEHALF OF FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.77% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 SOUTH EL CAMINO REAL STE 407 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $4K | $6K | 27.66% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 S EL CAMINO REAL SUITE 407 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $404 | $442 | $846 | 23.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FCE BENEFIT ADMINISTRATORS, INC. EIN 33-0330036 PLAN SERVICE PROVIDER | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Contract Administrator Service code 12 | 1528 SOUTH EL CAMINO REAL STE 407 SAN MATEO, CA 94402 | $180K |
| TRUST MANAGEMENT SERVICES EIN 46-3922133 PLAN SERVICE PROVIDER | Accounting (including auditing); Trustee (directed) Service code 10 | 1 ALMADEN BLVD STE 750 SAN JOSE, CA 95113 | $27K |
| CLIFTONLARSONALLEN LLP EIN 41-0746749 PLAN SERVICE PROVIDER | Accounting (including auditing) Service code 10 | 915 HIGHLAND POINTE DRIVE STE 300 ROSEVILLE, CA 95678 | $23K |
| FIRST HEALTH GROUP CORP EIN 20-1736437 PLAN SERVICE PROVIDER | Claims processing Service code 12 | 28588 NORTHWESTERN HWY SOUTHFIELD, MI 48034 | $7K |
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 | 525 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 525 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 331 | $2.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 535 | $141K |
| Vision | EYEMED VISION CARE BEHALF OF FIDELITY SECURITY LIFE INSURANCE COMPANY | 586 | $22K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 398 | $22K |
| Prescription drug | FIDELITY SECURITY LIFE INSURANCE COMPANY | 221 | $401K |
| Other(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 398 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 586 | — |
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.