| 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 | ISLAND HOME INSURANCE COMPANY | $7K | — | $7K | 1.02% |
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFIT ADMINISTRATORS, INC | 1528 SOUTH EL CAMINO REAL SUITE 407 SAN MATEO, CA 94402 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $32K | — | $32K | 4.57% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 SOUTH EL CAMINO REAL STE 407 SAN MATEO, CA 94402 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $39K | — | $39K | 6.89% |
| FCE BENEFIT ADMINISTRATORS, INC.5 | 1528 SOUTH EL CAMINO REAL SUITE 407 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $21K | $21K | 13.03% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 SOUTH EL CAMINO REAL SUITE 407 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $16K | — | $16K | 10.00% |
| FCE BENEFIT ADMINISTRATORS, INC.5 | 1528 SOUTH EL CAMINO REAL SUITE 407 SAN MATEO, CA 94402 | FIDELITY SECURITY LIFE INSURANCE COMPANY | — | $20K | $20K | 21.67% |
| FORREST T JONES AND COMPANY, INC5 Filed as: FORREST T JONES | 3130 BROADWAY KANSAS CITY, MO 64111 | FIDELITY SECURITY LIFE INSURANCE COMPANY | — | $10K | $10K | 10.83% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 SOUTH EL CAMINO REAL SUITE 407 SAN MATEO, CA 94402 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 5.00% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 SOUTH EL CAMINO REAL SUITE 407 SAN MATEO, CA 94402 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $7K | — | $7K | 9.22% |
| FCE BENEFIT ADMINISTRATORS, INC.5 | 1528 SOUTH EL CAMINO REAL SUITE 407 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $4K | $4K | 13.03% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 SOUTH EL CAMINO REAL SUITE 407 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 SOUTH EL CAMINO REAL STE 407 SAN MATEO, CA 94402 | ISLAND HOME INSURANCE COMPANY | $279 | — | $279 | 1.02% |
| FCE BENEFIT ADMINISTRATORS, INC.5 | 1528 SOUTH EL CAMINO REAL SUITE 407 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 13.95% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 SOUTH EL CAMINO REAL SUITE 407 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 SOUTH EL CAMINO REAL STE 407 SAN MATEO, CA 94402 | ISLAND HOME INSURANCE COMPANY | $62 | — | $62 | 1.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FCE BENEFIT ADMINISTRATORS, INC. EIN 33-0330036 NONE | Participant communication; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other insurance fees and expenses; Contract Administrator Service code 12 | 1528 SOUTH EL CAMINO REAL SUITE 407 SAN MATEO, CA 94402 | $683K |
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 NONE | Other services Service code 49 | PO BOX 645014 CINCINNATI, OH 452645014 | $176K |
| MDG BENEFIT SOLUTIONS EIN 27-2928672 NONE | Consulting (general) Service code 16 | 34 EAST INDUSTRIAL ROAD, SUITE 5 BRANFORD, CT 06405 | $97K |
| FIDUCIARY PLAN MANAGEMENT SERVICES EIN 46-3922133 NONE | Accounting (including auditing); Trustee (directed) Service code 10 | 1 S. ALMADEN BLVD, STE 750 SAN JOSE, CA 95113 | $90K |
| INEICH & COMPANY, LLP EIN 56-2552172 NONE | Accounting (including auditing) Service code 10 | 950 TOWER LANE, SUITE 780 FOSTER CITY, CA 94404 | $33K |
| GLOBAL CARE INC. EIN 31-1407689 NONE | Other services Service code 49 | P.O. BOX 743856 ATLANTA, GA 303743856 | $28K |
| UNITED WORKERS WELLNESS EIN 87-2575833 NONE | Other services Service code 49 | — | $18K |
| FCE FINANCIAL SERVICES, INC. EIN 80-0636312 NONE | Participant communication; Contract Administrator Service code 13 | 1528 SOUTH EL CAMINO REAL SUITE 407 SAN MATEO, CA 94402 | $11K |
| FIRST HEALTH NETWORK EIN 20-1736437 NONE | Other services Service code 49 | 28588 NORTHWESTERN HWY SOUTHFIELD, MI 48034 | $9K |
| PPOUSA, INC. EIN 36-4722027 NONE | Other services Service code 49 | PO BOX 950381 ST. LOUIS, MO 631950381 | $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 | 1,234 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | ISLAND HOME INSURANCE COMPANY | 924 | $1.3M |
| Dental(3 contracts) | ISLAND HOME INSURANCE COMPANY | 131 | $747K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,364 | $71K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,138 | $158K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 140 | $16K |
| Prescription drug(4 contracts, 2 carriers) | ISLAND HOME INSURANCE COMPANY | 235 | $840K |
| Stop-loss / reinsurancereinsurance | FIDELITY SECURITY LIFE INSURANCE COMPANY | 808 | $696K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,138 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,364 | — |
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.