| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFIT ADMINISTRATIONS, INC. | 1528 S. EL CAMINO REAL, SUITE 307 SAN MATEO, CA 94404 | UNITED HEALTHCARE INSURANCE COMPANY | $20K | — | $20K | 3.00% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 S. EL CAMINO REAL, SUITE 307 SAN MATEO, CA 94402 | COMPANION LIFE INSURANCE COMPANY, INC. | $521 | — | $521 | 0.53% |
| FCE BENEFIT ADMINISTRATORS, INC.5 | 1528 S. EL CAMINO REAL, SUITE 307 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 13.04% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 S. EL CAMINO REAL, SUITE 307 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| FCE BENEFIT ADMINISTRATORS, INC.5 | 1528 S EL CAMINO REAL, SUIT 307 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $411 | $411 | 13.05% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 S EL CAMINO REAL, SUIT 307 SAM MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $315 | — | $315 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FCE BENEFIT ADMINISTRATORS, INC. EIN 33-0330036 NONE | Other insurance fees and expenses; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | 1528 S. EL CAMINO REAL, SUITE 307 SAN MATEO, CA 94402 | $114K |
| FIDUCIARY PLAN MGMT SERVICES, INC. EIN 46-3922133 NONE | Trustee (directed); Accounting (including auditing) Service code 10 | 1 ALMADEN BLVD., SUITE 950 SAN JOSE, CA 95113 | $18K |
| INEICH & COMPANY, LLP EIN 56-2552172 NONE | Accounting (including auditing) Service code 10 | 950 TOLWER LANE, SUITE 780 FOSTER CITY, CA 94404 | $14K |
| FCE FINANCIAL SERVICES, INC. EIN 80-0636312 NONE | Participant communication; Claims processing Service code 12 | 1528 S. EL CAMINO REAL, STE 307 SAN MATEO, CA 94402 | $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 | 122 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 99 | $752K |
| Dental | COMPANION LIFE INSURANCE COMPANY, INC. | 17 | $98K |
| Vision | COMPANION LIFE INSURANCE COMPANY, INC. | 17 | $98K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 128 | $18K |
| Short-term disability | COMPANION LIFE INSURANCE COMPANY, INC. | 17 | $98K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 128 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.