| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 SOUTH EL CAMINO REAL SUITE 407 SAN MATEO, CA 94402 | KAISER FOUNDATION HEALTH PLAN, INC. | $107K | — | $107K | 5.31% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 SOUTH EL CAMINO REAL SUITE 407 SAN MATEO, CA 94402 | UNITED HEALTHCARE OF CALIFORNIA | $58K | — | $58K | 3.00% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 SOUTH EL CAMINO REAL SUITE 407 SAN MATEO, CA 94402 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $35K | — | $35K | 7.11% |
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFIT ADMINISTRATORS, INC | 4615 WALZEM ROAD STE 300 SAN ANTONIO, TX 782181608 | UNITED HEALTHCARE INSURANCE COMPANY | $10K | — | $10K | 2.99% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 4615 WALZEM ROAD SUITE 300 SAN ANTONIO, TX 782181608 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | — | $11K | 8.44% |
| FCE BENEFIT ADMINISTRATORS, INC.5 | 1528 SOUTH EL CAMINO REAL SUITE 407 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $12K | $12K | 13.13% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 SOUTH EL CAMINO REAL SUITE 407 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 SOUTH EL CAMINO REAL SUITE 407 SAN MATEO, CA 94402 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 9.51% |
| FCE BENEFIT ADMINISTRATORS, INC.5 | 1528 SOUTH EL CAMINO REAL SUITE 407 SAN MATEO, CA 94402 | FIDELITY SECURITY LIFE INSURANCE COMPANY | — | $7K | $7K | 21.67% |
| FOREST T. JONES & COMPANY5 Filed as: FOREST T. JONES | 3130 BROADWAY KANSAS CITY, MO 641112406 | FIDELITY SECURITY LIFE INSURANCE COMPANY | — | $3K | $3K | 10.83% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 SOUTH EL CAMINO REAL SUITE 407 SAN MATEO, CA 94402 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| FCE BENEFIT ADMINISTRATORS, INC.5 | 1528 SOUTH EL CAMINO REAL SUITE 407 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 13.13% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 SOUTH EL CAMINO REAL SUITE 407 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FCE BENEFIT ADMINISTRATORS, INC. EIN 33-0330036 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other insurance fees and expenses; Participant communication; Contract Administrator; Claims processing Service code 12 | 1528 SOUTH EL CAMINO REAL SUITE 407 SAN MATEO, CA 94402 | $673K |
| FIDUCIARY PLAN MANAGEMENT SERVICES EIN 46-3922133 NONE | Accounting (including auditing); Trustee (directed) Service code 10 | 1 ALMADEN BOULEVARD SUITE 750 SAN JOSE, CA 95113 | $100K |
| FCE FINANCIAL SERVICES, INC. EIN 80-0636312 NONE | Claims processing; Participant communication Service code 12 | 1528 SOUTH EL CAMINO REAL SUITE 407 SAN MATEO, CA 94402 | $29K |
| INEICH & COMPANY, LLP EIN 56-2552172 NONE | Accounting (including auditing) Service code 10 | 950 TOWER LANE SUITE 780 FOSTER CITY, CA 94404 | $22K |
| UNITED WORKERS WELLNESS EIN 87-2575833 NONE | Other services Service code 49 | — | $12K |
| FIRST HEALTH EIN 20-1736437 NONE | Other services Service code 49 | 28588 NORTHWESTERN HWY SOUTHFIELD, MI 48034 | $8K |
| ALEGEUS TECHNOLOGIES, LLC EIN 90-0808825 NONE | Other services Service code 49 | 1601 TRAPELO RD WALTHAM, MA 02451 | $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 | 594 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 594 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 372 | $4.8M |
| Dental(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 393 | $2.1M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 563 | $34K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 582 | $88K |
| Short-term disability | FIDELITY SECURITY LIFE INSURANCE COMPANY | 177 | $493K |
| Prescription drug | FIDELITY SECURITY LIFE INSURANCE COMPANY | 171 | $32K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 582 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 582 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.