| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 S EL CAMINO REAL SUITE 407 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $915 | — | $915 | 15.00% |
| FCE BENEFIT ADMINISTRATORS, INC.5 | 1528 S EL CAMINO REAL SUITE 407 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $179 | $179 | 2.93% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 4615 WALZEM ROAD SUITE 300 SAN ANTONIO, TX 78218 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $369 | — | $369 | 9.20% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 S EL CAMINO REAL SUITE 407 SAN MATEO, CA 94402 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $245 | — | $245 | 6.49% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 S EL CAMINO REAL SUITE 407 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $507 | — | $507 | 15.01% |
| FCE BENEFIT ADMINISTRATORS, INC.5 | 1528 S EL CAMINO REAL SUITE 407 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $175 | $175 | 5.18% |
| FCE BENEFIT ADMINISTRATORS, INC.5 | 1528 S EL CAMINO REAL SUITE 407 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $278 | $278 | 13.10% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 S EL CAMINO REAL SUITE 407 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $233 | — | $233 | 10.98% |
| FCE BENEFIT ADMINISTRATORS, INC.5 | 1528 S EL CAMINO REAL SUITE 407 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $52 | $52 | 13.76% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 S EL CAMINO REAL SUITE 407 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $42 | — | $42 | 11.11% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FCE BENEFIT ADMINISTRATORS, INC. EIN 33-0330036 NONE | Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 1528 SOUTH EL CAMINO REAL SUITE 407 SAN MATEO, CA 94402 | $53K |
| INEICH & COMPANY, LLP EIN 56-2552172 NONE | Accounting (including auditing) Service code 10 | 950 TOWER LANE SUITE 780 FOSTER CITY, CA 94404 | $19K |
| FIDUCIARY PLAN MANAGEMENT SERVICES EIN 46-3922133 NONE | Trustee (directed); Accounting (including auditing) Service code 10 | 1 S ALMADEN BLVD SUITE 750 SAN JOSE, CA 95113 | $9K |
| BUSINESS BENEFITS GROUP EIN 54-1769053 NONE | Participant communication; Contract Administrator Service code 13 | 4069 CHAIN BRIDGE ROAD FAIRFAX, VA 22030 | $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 | 126 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM BLUE CROSS BLUE SHIELD | 10 | $422K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 183 | $4K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 84 | $8K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 84 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.