| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FCE BENEFIT ADMINISTRATORS, INC.5 | 1528 SOUTH EL CAMINO REAL, STE 307 SAN MATEO, CA 94402 | COMPANION LIFE | $40K | — | $40K | 4.93% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 SOUTH EL CAMINO REAL, STE 307 SAN MATEO, CA 94402 | AMERICAN FIDELITY | $46K | — | $46K | 9.00% |
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFIT ADMINISTRATORS INC | 1528 SOUTH EL CAMINO REAL, STE 307 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $8K | $13K | 25.99% |
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFIT ADMINISTRATORS INC | 1528 SOUTH EL CAMINO REAL, STE 307 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $2K | $3K | 25.89% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FCE BENEFIT ADMINISTRATORS, INC. EIN 33-0330036 PLAN SERVICE PROVIDER | Claims processing; Contract Administrator; Insurance agents and brokers; Participant communication; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 12 | 1528 SOUTH EL CAMINO REAL, STE 307 SAN MATEO, CA 94402 | $1.0M |
| BROADVIEW MEDICAL RESOURCES, INC EIN 02-0640082 PLAN SERVICE PROVIDER | Claims processing; Insurance services Service code 12 | 1350 BROADWAY, SUITE 410 NEW YORK, NY 10018 | $250K |
| SCHUSTER DRISCOLL, LLC PLAN SERVICE PROVIDER | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 13 | 135 SOUTH RD #2 FARMINGTON, CT 06032 | $231K |
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 PLAN SERVICE PROVIDER | Insurance brokerage commissions and fees Service code 53 | — | $55K |
| TRUST MANAGEMENT SERVICES EIN 46-3922133 PLAN SERVICE PROVIDER | Accounting (including auditing); Trustee (directed) Service code 10 | 831 MITTEN ROAD, SUITE 215 BURLINGAME, CA 94010 | $51K |
| GALLINA LLP EIN 94-2147510 PLAN SERVICE PROVIDER | Accounting (including auditing) Service code 10 | 2870 GOLD TAILINGS COURT RANCHO CORDOVA, CA 95670 | $10K |
| PPO USA, INC. EIN 36-4722027 PLAN SERVICE PROVIDER | Contract Administrator; Insurance services Service code 13 | PO BOX 410503 KANSAS CITY, MO 641410503 | $9K |
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 | 936 | 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) | 936 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPANION LIFE | 814 | $815K |
| Dental | COMPANION LIFE | 814 | $815K |
| Vision | COMPANION LIFE | 814 | $815K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN FIDELITY | 823 | $560K |
| Short-term disability | COMPANION LIFE | 814 | $815K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 833 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 833 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.