| 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 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $6K | — | $6K | 4.12% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 EL CAMINO REAL, SUITE 407 SAN MATEO, CA 94402 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $8K | — | $8K | 6.50% |
| FCE BENEFIT ADMINISTRATORS, INC.5 | 1528 S. EL CAMINO REAL., SUITE 407 SAN MATEO, CA 94402 | FIDELITY SECURITY LIFE INSURANCE COMPANY | — | $3K | $3K | 21.67% |
| FORREST T JONES AND COMPANY, INC5 Filed as: FORREST T. JONES | 3130 BROADWAY KANSAS CITY, MO 641112406 | FIDELITY SECURITY LIFE INSURANCE COMPANY | — | $2K | $2K | 10.83% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 S. EL CAMINO REAL., SUITE 407 SAN MATEO, CA 94402 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $698 | — | $698 | 5.00% |
| FCE BENEFIT ADMINISTRATORS, INC.5 | 1528 S. EL CAMINO REAL., SUITE 407 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $893 | $893 | 11.35% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 S. EL CAMINO REAL., SUITE 407 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $866 | — | $866 | 11.01% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 4615 WALZEM RD., SUITE 300 SAN ANTONIO, TX 78218 | FIDELITY SECURITY LIFE INSURANCE COMOANY | $555 | — | $555 | 9.11% |
| FCE BENEFIT ADMINISTRATORS, INC.5 | 1528 S. EL CAMINO REAL., SUITE 407 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $152 | $152 | 11.33% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 S. EL CAMINO REAL., SUITE 407 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $148 | — | $148 | 11.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FCE BENEFIT ADMINISTRATORS, INC. EIN 33-0330036 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other insurance fees and expenses; Claims processing Service code 12 | 1528 S. EL CAMINO REAL., SUITE 407 SAN MATEO, CA 94402 | $136K |
| INEICH & COMPANY, LLP EIN 56-2552172 NONE | Accounting (including auditing) Service code 10 | 950 TOWER LANE, SUITE 780 FOSTER CITY, CA 94404 | $20K |
| PARKER, SMITH & FEEK, INC. EIN 87-2544519 NONE | Consulting (general) Service code 16 | 2233 112TH AVE NE BELLEVUE, WA 98004 | $17K |
| FIDUCIARY PLAN MANAGEMENT SERVICES EIN 46-3922133 NONE | Trustee (directed); Accounting (including auditing) Service code 10 | 1 ALAMADEN BLVD., SUITE 750 SAN JOSE, CA 95113 | $13K |
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 NONE | Other services Service code 49 | PO BOX 645014 CINCINNATI, CA 452645014 | $10K |
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 | 190 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 119 | $121K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMOANY | 225 | $6K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 113 | $8K |
| Prescription drug | FIDELITY SECURITY LIFE INSURANCE COMPANY | 69 | $14K |
| Stop-loss / reinsurancereinsurance | FIDELITY SECURITY LIFE INSURANCE COMPANY | 43 | $146K |
| Other(2 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 113 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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.