| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFIT ADMINISTRATORS, INC | 1528 SOUTH EL CAMINO REAL, STE 407 SAN MATEO, CA 94402 | COMPANION LIFE INSURANCE COMPANY | $21K | — | $21K | 5.00% |
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFIT ADMINISTRATORS, INC | 1528 SOUTH EL CAMINO REAL, STE 407 SAN MATEO, CA 94402 | COMPANION LIFE INSURANCE COMPANY | $4K | — | $4K | 9.29% |
| FCE BENEFIT ADMINISTRATORS, INC. Filed as: FCE BENEFIT ADMINISTRATORS, INC | 1528 SOUTH EL CAMINO REAL, STE 407 SAN MATEO, CA 94402 | CIGNA | — | — | $0 | 0.00% |
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFIT ADMINISTRATORS, INC | 1528 SOUTH EL CAMINO REAL, STE 407 SAN MATEO, CA 94402 | EYEMED | $1K | — | $1K | 8.59% |
| FCE BENEFIT ADMINISTRATORS, INC. Filed as: FCE BENEFIT ADMINISTRATORS, INC | 1528 SOUTH EL CAMINO REAL, STE 407 SAN MATEO, CA 94402 | FIDELITY SECURITY LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| FRINGE BENEFIT PLANS INC3 Filed as: FRINGE BENEFIT PLANS INC. | 2211 LEE ROAD SUITE 100 WINTER PARK, FL 32789 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $521 | $2K | 25.22% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FCE BENEFIT ADMINISTRATOR EIN 33-0330036 THIRD PARTY ADMINISTRATO | Plan Administrator Service code 14 | 1528 S. EL CAMINO REAL, STE 407 SAN MATEO, CA 94402 | $114K |
| LRA INSURANCE PLAN SERVICE PROVIDER | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 498 SOUTH LAKE DESTINY DRIVE ORLANDO, FL 32810 | $23K |
| CIGNA EIN 59-1031071 PLAN SERVICE PROVIDER | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $18K |
| GLOBAL CARE EIN 31-1407689 PLAN SERVICE PROVIDER | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | PO BOX 743856 ATLANTA, GA 30374 | $10K |
| 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 | $5K |
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 | 261 | 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) | 261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 156 | $52K |
| Vision(3 contracts, 3 carriers) | EYEMED | 215 | $33K |
| Life insurance | CIGNA | 0 | $43K |
| Short-term disability | CIGNA | 0 | $43K |
| Long-term disability | CIGNA | 0 | $43K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 117 | $414K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 39 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.