| 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 | $51K | — | $51K | 2.95% |
| GARY BECKMAN3 Filed as: GARY BECKMAN FCE BENEFIT ADMIN. | 1528 SOUTH EL CAMINO REAL STE 407 SAN MATEO, CA 94402 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | — | $9K | 9.47% |
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFIT ADMINISTRATORS INC | 1528 S. EL CAMINO REAL, SUITE 407 SAN MATEO, CA 94409 | MUTUAL OF OMAHA INSURANCE COMPANY | $4K | — | $4K | 7.55% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 SOUTH EL CAMINO REAL STE 407 SAN MATEO, CA 94402 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $685 | — | $685 | 6.50% |
| 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 | $1K | $2K | $3K | 25.67% |
| 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 | $222 | $296 | $518 | 25.64% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FCE BENEFIT ADMINISTRATORS, INC. EIN 33-0330036 PLAN SERVICE PROVIDER | Claims processing; Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 1528 SOUTH EL CAMINO REAL STE 407 SAN MATEO, CA 94402 | $205K |
| 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 | $40K |
| CLIFTONLARSONALLEN LLP EIN 41-0746749 NONE | Accounting (including auditing) Service code 10 | — | $22K |
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 | 637 | 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) | 637 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 185 | $1.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 308 | $68K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 293 | $100K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 330 | $111K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 293 | $100K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 129 | $58K |
| Other(3 contracts, 3 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 461 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 461 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.