| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFIT ADMINISTRATORS, INC | 887 MITTEN ROAD BURLINGAME, CA 940101303 | GERBER LIFE INSURANCE COMPANY | $55K | — | $55K | 9.00% |
| FCE BENEFIT ADMINISTRATORS, INC.5 | 887 MITTEN ROAD BURLINGAME, CA 94010 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $6K | $6K | 12.92% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 887 MITTEN ROAD BURLINGAME, CA 94010 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 11.74% |
| FCE BENEFIT ADMINISTRATORS, INC.5 | 887 MITTEN ROAD BURLINGAME, CA 94010 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $3K | $3K | 11.45% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 887 MITTEN ROAD BURLINGAME, CA 94010 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.41% |
| FCE BENEFIT ADMINISTRATORS, INC.5 | 887 MITTEN ROAD BURLINGAME, CA 94010 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $3K | $3K | 11.45% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 887 MITTEN ROAD BURLINGAME, CA 94010 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.41% |
| FCE BENEFIT ADMINISTRATORS, INC.5 Filed as: FCE BENEFIT ADMINISTRATORS INC | 887 MITTEN ROAD BURLINGAME, CA 94010 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $497 | $497 | 11.95% |
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFIT ADMINISTRATORS INC | 887 MITTEN ROAD BURLINGAME, CA 94010 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $452 | — | $452 | 10.87% |
| FCE BENEFIT ADMINISTRATORS, INC.5 | 887 MITTEN ROAD BURLINGAME, CA 94010 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $456 | $456 | 11.45% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 887 MITTEN ROAD BURLINGAME, CA 94010 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $415 | — | $415 | 10.42% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FCE BENEFIT ADMINISTRATORS EIN 33-0330036 NONE | Contract Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Participant communication Service code 12 | 887 MITTEN ROAD BURLINGAME, CA 94010 | $238K |
| TRUST MANAGEMENT SERVICES EIN 46-3922133 NONE | Accounting (including auditing); Trustee (directed) Service code 10 | 831 MITTEN ROAD, SUITE 215 BURLINGAME, CA 94010 | $43K |
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 NONE | Other services Service code 49 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $25K |
| ENVISION PHARMACEUTICAL SERVICES EIN 05-0570786 NONE | Claims processing Service code 12 | 2181 E. AURORA RD., SUITE 201 TWINSBURG, OH 44087 | $22K |
| INEICH & COMPANY, LLP EIN 56-2552172 NONE | Accounting (including auditing) Service code 10 | 950 TOWER LANE, SUITE 780 FOSTER CITY, CA 94404 | $16K |
| HEALTHLINK, INC. NONE | Other services Service code 49 | 1831 CHESTNUT STREET ST. LOUIS, MO 63103 | $15K |
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 | 497 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 497 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MADISON NATIONAL LIFE INSURANCE COMPANY, INC. | 154 | $305K |
| Dental | MADISON NATIONAL LIFE INSURANCE COMPANY, INC. | 154 | $305K |
| Vision | MADISON NATIONAL LIFE INSURANCE COMPANY, INC. | 154 | $305K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 407 | $47K |
| Short-term disability(2 contracts, 2 carriers) | MADISON NATIONAL LIFE INSURANCE COMPANY, INC. | 154 | $348K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 85 | $4K |
| Prescription drug | FIDELITY SECURITY LIFE INSURANCE COMPANY | 119 | $30K |
| Other(4 contracts, 3 carriers) | GERBER LIFE INSURANCE COMPANY | 407 | $638K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 407 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.