| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 SOUTH EL CAMINO REAL SUITE 307 SAN MATEO, CA 94402 | UNITED HEALTH CARE INSURANCE COMPANY | $10K | — | $10K | 2.41% |
| FCE BENEFIT ADMINISTRATORS, INC.5 | 1528 SOUTH EL CAMINO REAL SUITE 307 SAN MATEO, CA 94402 | COMPANION LIFE INSURANCE COMPANY | $19K | — | $19K | 5.28% |
| FCE BENEFIT ADMINISTRATORS, INC.5 | 1528 SOUTH EL CAMINO REAL SUITE 307 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 13.05% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 SOUTH EL CAMINO REAL SUITE 307 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 11.00% |
| FCE BENEFIT ADMINISTRATORS, INC.5 | 1528 SOUTH EL CAMINO REAL SUITE 307 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $348 | $348 | 13.05% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 SOUTH EL CAMINO REAL SUITE 307 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $293 | — | $293 | 10.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FCE BENEFIT ADMINISTRATORS, INC. EIN 33-0330036 NONE | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 13 | 1528 SOUTH EL CAMINO REAL SUITE 307 SAN MATEO, CA 94402 | $167K |
| FCE BENEFIT ADMINSTRATORS, INC. | Other insurance fees and expenses; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $32K |
| FIDUCIARY PLAN MGMT SERVICES, INC. EIN 46-3922133 NONE | Accounting (including auditing); Trustee (directed) Service code 10 | 1 ALMADEN BLVD, SUITE 950 SAN JOSE, CA 95113 | $21K |
| BROADREACH MEDICAL RESOURCES, INC. EIN 02-0640082 NONE | Claims processing Service code 12 | 1350 BROADWAY NEW YORK, NY 10018 | $13K |
| INEICH & COMPANY, LLP EIN 56-2552172 NONE | Accounting (including auditing) Service code 10 | 950 TOWER LANE, SUITE 780 FOSTER CITY, CA 94404 | $12K |
| COVENTRY HEALTH CARE (FIRST HEALTH) NONE | Other services Service code 49 | 10150 SOUTH CENTENNIAL PARKWAY SUITE 450 SANDY, UT 84070 | $7K |
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 | 215 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTH CARE INSURANCE COMPANY | 215 | $760K |
| Dental | COMPANION LIFE INSURANCE COMPANY | 215 | $361K |
| Vision | COMPANION LIFE INSURANCE COMPANY | 215 | $361K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 211 | $16K |
| Short-term disability | COMPANION LIFE INSURANCE COMPANY | 215 | $361K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 211 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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.