| 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 | COMPANION LIFE INSURANCE COMPANY | $46K | — | $46K | 9.00% |
| FCE BENEFIT ADMINISTRATORS, INC.5 | 1528 SOUTH EL CAMINO REAL, STE 407 SAN MATEO, CA 94402 | COMPANION LIFE INSURANCE COMPANY | $12K | — | $12K | 4.62% |
| FCE BENEFIT ADMINISTRATORS, INC.5 Filed as: FCE BENEFIT ADMINISTRATORS, INC | 1528 SOUTH EL CAMINO REAL, STE 407 SAN MATEO, CA 94402 | EYEMED | $854 | — | $854 | 2.50% |
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFIT ADMINISTRATORS INC | 887 MITTEN RD STE 200 BURLINGAME, CA 94010 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $2K | $3K | 23.69% |
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFIT ADMINISTRATORS INC | 887 MITTEN RD STE 200 BURLINGAME, CA 94010 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $268 | $310 | $578 | 23.70% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FCE BENEFIT ADMINISTRATORS, INC. EIN 33-0330036 PLAN SERVICE PROVIDER | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 13 | 1528 S EL CAMINO REAL, STE 307 SAN MATEO, CA 94402 | $422K |
| THE INSURANCE EXCHANGE EIN 52-0850056 PLAN SERVICE PROVIDER | Participant communication; Contract Administrator Service code 13 | 9713 KEY WEST AVE STE 401 ROCKVILLE, MD 20850 | $68K |
| CLIFTONLARSONALLEN LLP EIN 41-0746749 PLAN SERVICE PROVIDER | Accounting (including auditing) Service code 10 | 925 HIGHLAND POINTE DRIVE, STE 450 ROSEVILLE, CA 95678 | $22K |
| TRUST MANAGEMENT SERVICES EIN 46-3922133 PLAN SERVICE PROVIDER | Accounting (including auditing); Trustee (directed) Service code 10 | 1 ALMADEN BLVD, SUITE 620 SAN JOSE, CA 95113 | $20K |
| FCE FINANCIAL SERVICES, INC. EIN 80-0636312 PLAN SERVICE PROVIDER | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 13 | 1528 S EL CAMINO REAL, STE 307 SAN MATEO, CA 94402 | $15K |
| GLOBALCARE, INC. EIN 31-1407689 PLAN SERVICE PROVIDER | Claims processing; Insurance services Service code 12 | 2 CONCOURSE PKWY NE ATLANTA, GA 30328 | $10K |
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 | 524 | 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) | 524 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPANION LIFE INSURANCE COMPANY | 520 | $258K |
| Dental | COMPANION LIFE INSURANCE COMPANY | 520 | $258K |
| Vision | EYEMED | 520 | $34K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 464 | $14K |
| Prescription drug | FIDELITY SECURITY LIFE INSURANCE | 94 | $18K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 372 | $506K |
| Other(2 contracts, 2 carriers) | MAGELLAN HEALTHCARE | 519 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 520 | — |
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.