| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FCE BENEFIT ADMINISTRATORS, INC.5 | 1528 S EL CAMINO REAL STE 407 SAN MATEO, CA 94402 | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | $118K | — | $118K | 3.04% |
| FCE BENEFIT ADMINISTRATORS, INC.5 Filed as: FCE BENEFIT ADMINISTRATORS | 1528 SOUTH EL CAMINO REAL SUITE 407 SAN MATEO, CA 94402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 1.93% |
| FCE BENEFIT ADMINISTRATORS, INC.5 Filed as: FCE BENEFIT ADMINISTRATOR | 1528 EL CAMINO REAL SUITE 407 SAN MATEO, CA 94402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $24K | — | $24K | 10.00% |
| FCE BENEFIT ADMINISTRATORS, INC.5 | 1528 S EL CAMINO REAL STE 407 SAN MATEO, CA 94402 | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | $7K | — | $7K | 3.01% |
| FCE BENEFIT ADMINISTRATORS, INC.5 Filed as: FCE BENEFIT ADMINISTRATORS | 1528 SOUTH EL CAMINO REAL SUITE 407 SAN MATEO, CA 94402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 3.00% |
| FCE BENEFIT ADMINISTRATORS, INC.5 Filed as: FCE BENEFIT ADMINISTRATOR | 1528 EL CAMINO REAL SUITE 407 SAN MATEO, CA 94402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $952 | — | $952 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FCE BENEFIT ADMINISTRATORS INC EIN 33-0330036 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 13 | 1528 SOUTH EL CAMINO REAL SUITE 407 SAN MATEO, CA 94402 | $86K |
| INEICH & COMPANY, LLP EIN 56-2552172 NONE | Accounting (including auditing) Service code 10 | 950 TOWER LANE, SUITE 780 FOSTER CITY, CA 94404 | $21K |
| FIDUCIARY PLAN MANAGEMENT SERVICES EIN 46-3922133 NONE | Trustee (directed); Accounting (including auditing) Service code 10 | 1 ALMADEN BLVD., SUITE 620 SAN JOSE, CA 95113 | $17K |
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 | 583 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 583 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 394 | $4.1M |
| Dental(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 462 | $433K |
| Vision(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 394 | $4.1M |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 734 | $246K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 367 | $200K |
| Prescription drug | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 394 | $3.9M |
| Other(7 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 764 | $566K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 764 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.