| 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 INSURANCE COMPANY | $67K | — | $67K | 4.68% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 SOUTH EL CAMINO REAL, STE 307 SAN MATEO, CA 94402 | SIRIUS AMERICA INSURANCE COMPANY | $31K | — | $31K | 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 | $4K | $6K | $10K | 23.55% |
| 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 | $875 | $1K | $2K | 23.54% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FCE BENEFIT ADMINISTRATORS, INC. EIN 33-0330036 PLAN SERVICE PROVIDER | Claims processing; Contract Administrator; 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 | $852K |
| BROADREACH MEDICAL RESOURCES EIN 20-0640082 PLAN SERVICE PROVIDER | Claims processing Service code 12 | 1350 BROADWAY, SUITE 410 NEW YORK, NY 10018 | $233K |
| SCHUSTER DRISCOLL, LLC EIN 26-1136591 PLAN SERVICE PROVIDER | Contract Administrator; Participant communication Service code 13 | 135 SOUTH ROAD FARMINGTON, CT 06032 | $210K |
| TRUST MANAGEMENT SERVICES EIN 46-3922133 PLAN SERVICE PROVIDER | Trustee (directed); Accounting (including auditing) Service code 10 | 1 ALMADEN BLVD, SUITE 950 SAN JOSE, CA 95113 | $42K |
| FCE FINANCIAL SERVICES, INC. EIN 80-0636312 PLAN SERVICE PROVIDER | Recordkeeping and information management (computing, tabulating, data processing, etc.); Plan Administrator Service code 14 | 1528 SOUTH EL CAMINO REAL, STE 307 SAN MATEO, CA 94402 | $27K |
| GLOBALCARE, INC. EIN 31-1407689 PLAN SERVICE PROVIDER | Claims processing; Insurance services Service code 12 | 2 CONCOURSE PKWY NE SUITE 300 ATLANTA, GA 30328 | $27K |
| COVENTRY HEALTH CARE PLAN SERVICE PROVIDER | Claims processing; Insurance services Service code 12 | 10150 SOUTH CENTENNIAL PKWY STE 450 SANDY, UT 84070 | $24K |
| CLIFTONLARSONALLEN LLP EIN 41-0746749 PLAN SERVICE PROVIDER | Accounting (including auditing) Service code 10 | 925 HIGHLAND POINTE DRIVE, STE 450 ROSEVILLE, CA 95678 | $17K |
| PPOUSA EIN 36-4722027 PLAN SERVICE PROVIDER | Insurance services; Claims processing Service code 12 | 310 N.E. MULBERRY STREET LEES SUMMIT, MO 640865861 | $8K |
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 | 902 | 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) | 902 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPANION LIFE INSURANCE COMPANY | 84 | $1.4M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 912 | $41K |
| Stop-loss / reinsurancereinsurance | SIRIUS AMERICA INSURANCE COMPANY | 336 | $343K |
| Other(2 contracts, 2 carriers) | MAGELLAN HEALTHCARE | 926 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 926 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.