| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $60K | — | $60K | 5.98% |
| 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 | $4K | — | $4K | 4.88% |
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFIT ADMINISTRATORS, INC | 1528 EL CAMINO REAL, SUITE 407 SAN MATEO, CA 94409 | EYE MED VISION CARE FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 9.21% |
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFIT ADMINISTRATORS, INC | 1528 EL CAMINO REAL, SUITE 407 SAN MATEO, CA 94409 | RELANCE STANDARD LIFE INSURANCE COMPANY | $2K | $2K | $5K | 21.00% |
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFIT ADMINISTRATORS, INC | 1528 EL CAMINO REAL, SUITE 407 SAN MATEO, CA 94409 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $403 | $366 | $769 | 21.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FCE BENEFIT ADMINSTATORS INC EIN 33-0330036 SERVICE PROVIDER | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 13 | 1528 S EL CAMINO REAL, SUITE 407 SAN MATEO, CA 94402 | $270K |
| FIRST HEALTH EIN 20-1736437 SERVICE PROVIDER | Claims processing Service code 12 | 28588 NORTHWESTERN HWY SOUTHFIELD, MI 48034 | $39K |
| WASHINGTON INSURANCE CONSULTANTS EIN 20-8219022 SERVICE PROVIDER | Consulting (general) Service code 16 | PO BOX 6055 ALEXANDRIA, VA 22306 | $33K |
| TRUST MANAGEMENT SERVICES EIN 46-3922133 TRUSTEE | Accounting (including auditing); Trustee (directed) Service code 10 | 1 ALMADEN BLVD, SUITE 620 SAN JOSE, CA 95113 | $24K |
| CONNECTION DENTAL EIN 36-4722027 SERVICE PROVIDER | Claims processing Service code 12 | PO BOX 950381 ST LOUIS, MO 631950381 | $6K |
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 | 607 | 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) | 607 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 331 | $1.0M |
| Vision | EYE MED VISION CARE FIDELITY SECURITY LIFE INSURANCE COMPANY | 326 | $36K |
| Life insurance | RELANCE STANDARD LIFE INSURANCE COMPANY | 492 | $21K |
| Stop-loss / reinsurancereinsurance | FIDELITY SECURITY LIFE INSURANCE COMPANY | 304 | $87K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 492 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 492 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.