| 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 94402 | UNITED HEALTHCARE INSURANCE COMPANY | $19K | — | $19K | 3.16% |
| FCE BENEFIT ADMINISTRATORS, INC.5 Filed as: FCE BENEFIT ADMINISTRATORS INC | 1528 EL CAMINO REAL STE 407 SAN MATEO, CA 94402 | FIDELITY SECURITY LIFE INSURANCE COMPANY | — | $15K | $15K | 25.00% |
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFIT ADMINISTRATORS INC | 1528 EL CAMINO REAL STE 407 SAN MATEO, CA 94402 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 6.50% |
| FCE BENEFIT ADMINISTRATORS, INC.5 | 1528 S. EL CAMINO REAL, SUITE 407 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 12.15% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 S. EL CAMINO REAL, SUITE 407 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 S. EL CAMINO REAL, SUITE 407 SAN MATEO, CA 94402 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $493 | $2K | $3K | 26.66% |
| FORREST T JONES AND COMPANY, INC5 Filed as: FORREST T JONES | 3130 BROADWAY KANSAS CITY, MO 64111 | FIDELITY SECURITY LIFE INSURANCE COMPANY | — | $1K | $1K | 10.83% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 4615 WALZEM RD. SUITE 300 SAN ANTONIO, TX 78218 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $653 | — | $653 | 11.85% |
| FCE BENEFIT ADMINISTRATORS, INC.5 | 1528 S EL CAMINO REAL, SUIT 407 SAM MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $410 | $410 | 12.14% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 S EL CAMINO REAL, SUIT 407 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $338 | — | $338 | 10.01% |
| 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.) Service code 12 | 1528 S. EL CAMINO REAL, SUITE 407 SAN MATEO, CA 94402 | $113K |
| INEICH & COMPANY, LLP EIN 56-2552172 NONE | Accounting (including auditing) Service code 10 | 950 TOLWER LANE, SUITE 780 FOSTER CITY, CA 94404 | $17K |
| FIDICIARY PLAN MGMT SERVICES, INC. EIN 46-3922133 NONE | Accounting (including auditing); Trustee (directed) Service code 10 | 1 S ALMADEN BLVD. , SUITE 750 SAN JOSE, CA 95113 | $16K |
| FCE FINANCIAL SERVICES, INC. EIN 80-0636312 NONE | 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 | 115 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 113 | $673K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 250 | $6K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 112 | $20K |
| Prescription drug | FIDELITY SECURITY LIFE INSURANCE COMPANY | 23 | $10K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 112 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 250 | — |
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.