| 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 407 SAN MATEO, CA 94404 | UNITED HEALTHCARE INSURANCE COMPANY | $18K | — | $18K | 2.98% |
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFIT ADMINISTRATORS INC | 1528 EL CAMINO REAL STE 407 SAN MATEO, CA 94408 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 5.73% |
| FCE BENEFIT ADMINISTRATORS, INC.5 | 1528 S. EL CAMINO REAL, SUITE 407 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 14.81% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 S. EL CAMINO REAL, SUITE 407 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 4615 WALZEM RD. SUITE 300 SAN ANTONIO, TX 78218 | EYEMED VISION CARE | $546 | — | $546 | 9.13% |
| FCE BENEFIT ADMINISTRATORS, INC.5 | 1528 S. EL CAMINO REAL, SUITE 407 SAN MATEO, CA 94402 | FIDELITY SECURITY LIFE INSURANCE COMPANY | — | $1K | $1K | 32.50% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 S. EL CAMINO REAL, SUITE 407 SAN MATEO, CA 94402 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $217 | — | $217 | 5.00% |
| FCE BENEFIT ADMINISTRATORS, INC.5 | 1528 S EL CAMINO REAL, SUIT 407 SAM MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $287 | $287 | 14.81% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 S EL CAMINO REAL, SUIT 407 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $194 | — | $194 | 10.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FCE BENEFIT ADMINISTRATORS, INC. EIN 33-0330036 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | 1528 S. EL CAMINO REAL, SUITE 407 SAN MATEO, CA 94402 | $116K |
| FIDICIARY PLAN MGMT SERVICES, INC. EIN 46-3922133 NONE | Trustee (directed); Accounting (including auditing) Service code 10 | 1 ALMADEN BLVD. , SUITE 620 SAN JOSE, CA 95113 | $16K |
| INEICH & COMPANY, LLP EIN 56-2552172 NONE | Accounting (including auditing) Service code 10 | 950 TOLWER LANE, SUITE 780 FOSTER CITY, CA 94404 | $16K |
| FCE FINANCIAL SERVICES, INC. EIN 80-0636312 NONE | Participant communication; Claims processing Service code 12 | 1528 S. EL CAMINO REAL, STE 407 SAN MATEO, CA 94402 | $8K |
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 | 114 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 111 | $653K |
| Vision | EYEMED VISION CARE | 113 | $6K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 114 | $11K |
| Prescription drug | FIDELITY SECURITY LIFE INSURANCE COMPANY | 28 | $4K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 114 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.