| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFIT ADMINISTRATORS, INC | 1528 EL CAMINO REAL, SUITE 407 SAN MATEO, CA 94402 | FIDLEITY SECURITY LIFE INSURANCE COMPANY | $32K | $0 | $32K | 7.69% |
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFIT ADMINISTRATORS | — | BLUE CROSS BLUE SHIELD OF TEXAS | $5K | — | $5K | 3.97% |
| BRINSON BENEFITS, INC.3 Filed as: BRINSON BENEFITS | — | BLUE CROSS BLUE SHIELD OF TEXAS | — | $108 | $108 | 0.08% |
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFIT ADMINISTRATORS INC | 1528 S EL CAMINO REAL, SUITE 407 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $2K | $5K | 21.55% |
| SHAUN PATRICK CLARK3 | 2401 SPRINGHILL AVE FLOWER MOUND, TX 75028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $6K | $8K | 51.35% |
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFIT ADMINISTRATORS INC | 4615 WALZEM RD UNIT 300 SAN ANTONIA, TX 78218 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 12.78% |
| VIRGINIA LEDER-CLARK3 | 2800 SPRING OAKS HIGHLAND VILLAGE, TX 75077 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $677 | $351 | $1K | 6.65% |
| MPART BENEFITS INC3 | 100 ALBRIGHT LN PROSPER, TX 75078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $392 | $385 | $777 | 5.03% |
| BRINSON BENEFITS, INC.3 Filed as: BRINSON BENEFITS | 4851 LBJ FREEWAY DALLAS, TX 75244 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $592 | $45 | $637 | 4.12% |
| INGLE BENEFITS LLC3 | 1840 LARIAT TRAIL CELINA, TX 75009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $307 | $118 | $425 | 2.75% |
| DEBORAH L. OLSON3 Filed as: DEBORAH OLSON | 8401 BREATHE OUT WAY PANAMA CITY BEACH, FL 32413 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $121 | — | $121 | 0.78% |
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFIT ADMINISTRATORS INC | 1528 S EL CAMINO REAL, SUITE 407 SAN MATEO, CA 94402 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $538 | $0 | $538 | 4.82% |
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFIT ADMINISTRATORS, INC | 4615 WALZEM ROAD SUITE 300 SAN ANTONIO, TX 78218 | EYEMED VISON CARE ON BE. OF FIDELITY SECURITY LIFE INSURANCE COMPANY | $784 | $0 | $784 | 11.42% |
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFIT ADMINISTRATORS INC | 1528 S EL CAMINO REAL SUITE 407 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $402 | $386 | $788 | 21.55% |
| 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.); Other services Service code 12 | — | $230K |
| CLIFTONLARSONALLEN, LLP EIN 41-0746749 NONE | Accounting (including auditing) Service code 10 | — | $36K |
| CIGNA CORPORATION EIN 59-1031071 NONE | Claims processing Service code 12 | — | $30K |
| TRUST MANAGEMENT SERVICES, INC EIN 46-3922133 NONE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $27K |
| UNITED WORKER WELLNESS EIN 87-2575833 NONE | Consulting (general) Service code 16 | — | $7K |
| GLOBAL CARE EIN 31-1407689 NONE | Claims processing Service code 12 | PO BOX 743856 ATLANT, GA 30374 | $6K |
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 | 580 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 580 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF TEXAS | 15 | $145K |
| Dental | BLUE CROSS BLUE SHIELD OF TEXAS | 15 | $134K |
| Vision | EYEMED VISON CARE ON BE. OF FIDELITY SECURITY LIFE INSURANCE COMPANY | 131 | $7K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 182 | $21K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 39 | $15K |
| Prescription drug | FIDELITY SECURITY LIFE INSURANCE COMPANY | 3 | $11K |
| Stop-loss / reinsurancereinsurance | FIDLEITY SECURITY LIFE INSURANCE COMPANY | 94 | $416K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 182 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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.