| 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 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $83K | — | $83K | 5.46% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 SOUTH EL CAMINO REAL, STE 407 SAN MATEO, CA 94402 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $32K | — | $32K | 5.00% |
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFIT ADMINISTRATORS, INC | 1528 EL CAMINO REAL, SUITE 407 SAN MATEO, CA 94409 | FIDELITY SECURITY LIFE INSURANCE COMPANY | — | $51K | $51K | 21.67% |
| FORREST T JONES AND COMPANY, INC3 | — | FIDELITY SECURITY LIFE INSURANCE COMPANY | — | $26K | $26K | 10.83% |
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFIT ADMINISTRATORS INC | 1528 SOUTH EL CAMINO REAL, STE 407 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $11K | $19K | 24.37% |
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFIT ADMINISTRATORS, INC | 1528 EL CAMINO REAL, SUITE 407 SAN MATEO, CA 94409 | NEW BENEFITS | $24K | — | $24K | 42.34% |
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFIT ADMINISTRATORS INC | 1528 SOUTH EL CAMINO REAL, STE 407 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $2K | $4K | 24.37% |
| HEATHER PARKER3 | 6433 GRAVES AVENUE VAN NUYS, CA 91406 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $64 | — | $64 | 14.81% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FCE BENEFIT ADMINISTRATORS, INC. EIN 33-0330036 PLAN SERVICE PROVIDER | Contract Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 12 | 1528 SOUTH EL CAMINO REAL, STE 407 SAN MATEO, CA 94402 | $1.2M |
| SCHUSTER DRISCOLL EIN 26-1136591 ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 135 SOUTH RD FARMINGTON, CT 06032 | $267K |
| CIGNA EIN 59-1031071 PLAN SERVICE PROVIDER | Claims processing Service code 12 | — | $116K |
| TRUST MANAGEMENT SERVICES EIN 46-3922133 PLAN SERVICE PROVIDER | Accounting (including auditing); Trustee (directed) Service code 10 | 1 ALMADEN BLVD, STE 620 SAN JOSE, CA 95113 | $70K |
| FCE FINANCIAL SERVICES, INC. EIN 80-0636312 PLAN SERVICE PROVIDER | Other services; Claims processing Service code 12 | 1528 SOUTH EL CAMINO REAL, STE 407 SAN MATEO, CA 94402 | $57K |
| CLIFTONLARSONALLEN LLP EIN 41-0746749 PLAN SERVICE PROVIDER | Accounting (including auditing) Service code 10 | 915 HIGHLAND POINTE DRIVE, STE 300 ROSEVILLE, CA 95678 | $32K |
| FIRST HEALTH INC. EIN 20-1736437 PLAN SERVICE PROVIDER | Claims processing Service code 12 | 28588 NORTHWESTERN HWY SOUTHFIELD, MI 48034 | $24K |
| GLOBAL CARE EIN 31-1407689 PLAN SERVICE PROVIDER | Claims processing Service code 12 | PO BOX 743856 ATLANTA, GA 30374 | $20K |
| PPO USA, INC EIN 36-4722027 PLAN SERVICE PROVIDER | Claims processing Service code 12 | PO BOX 950381 ST. LOUIS, MO 63195 | $10K |
| ALEGEUS TECHNOLOGIES, LLC EIN 90-0808825 PLAN SERVICES | Claims processing Service code 12 | 1601 TRAPELO ROAD WATHAM, MA 02451 | $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 | 1,131 | 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) | 1,131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 565 | $1.5M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,185 | $77K |
| Prescription drug | FIDELITY SECURITY LIFE INSURANCE COMPANY | 579 | $238K |
| Stop-loss / reinsurancereinsurance | FIDELITY SECURITY LIFE INSURANCE COMPANY | 928 | $640K |
| Other(4 contracts, 4 carriers) | NEW BENEFITS | 1,185 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,185 | — |
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."
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.