| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFITS ADMINISTRATORS, INC. | 1528 S. EL CAMINO REAL, SUITE 307 SAN MATEO, CA 94402 | UNITED HEALTHCARE INSURANCE COMPANY | $18K | — | $18K | 3.00% |
| FCE BENEFIT ADMINISTRATORS, INC.5 Filed as: FCE BENEFITS ADMINISTRATORS, INC. | 1528 S. EL CAMINO REAL, SUITE 307 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $734 | $734 | 11.58% |
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFITS ADMINISTRATORS, INC. | 1528 S. EL CAMINO REAL, SUITE 307 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $698 | — | $698 | 11.01% |
| FCE BENEFIT ADMINISTRATORS, INC.5 Filed as: FCE BENEFITS ADMINISTRATORS, INC. | 1528 S. EL CAMINO REAL, SUITE 307 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $125 | $125 | 11.55% |
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFITS ADMINISTRATORS, INC. | 1528 S. EL CAMINO REAL, SUITE 307 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $119 | — | $119 | 11.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FCE BENEFITS ADMINISTRATORS, INC. EIN 33-0330036 NONE | Contract Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Participant communication Service code 12 | 1528 S. EL CAMINO REAL, SUITE 307 SAN MATEO, CA 94402 | $123K |
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 | 121 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 82 | $603K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 106 | $6K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 106 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 106 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.