| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFIT ADMINISTRATOR | 1528 S. EL CAMINO REAL SUITE 407 SAN MATEO, CA 94402 | UNITED HEALTHCARE INSURANCE COMPANY | $29K | — | $29K | 2.99% |
| 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 | $7K | — | $7K | 7.09% |
| 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 | $3K | 22.37% |
| FCE BENEFIT ADMINISTRATORS, INC.5 | 1528 S. EL CAMINO REAL SUITE 407 SAN MATEO, CA 94402 | FIDELITY SECURITY LIFE INSURANCE COMPANY | — | $2K | $2K | 21.66% |
| FORREST T JONES AND COMPANY, INC5 Filed as: FORREST T. JONES | — | FIDELITY SECURITY LIFE INSURANCE COMPANY | — | $767 | $767 | 10.83% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 S. EL CAMINO REAL SUITE 407 SAN MATEO, CA 94402 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $354 | — | $354 | 5.00% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 S. EL CAMINO REAL SUITE 407 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $258 | $267 | $525 | 22.35% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FCE BENEFIT ADMINISTRATORS, INC. EIN 33-0330036 NONE | Participant communication; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | 1528 S. EL CAMINO REAL SUITE 407 SAN MATEO, CA 94402 | $211K |
| FCE BENEFIT ADMINISTRATORS, INC | Other insurance fees and expenses Service code 73 | — | $24K |
| FIDUCIARY PLAN MGMT SERVICES, INC EIN 44-3922133 NONE | Trustee (directed); Accounting (including auditing) Service code 10 | 1 S. ALMADEN BLVD, SUITE 750 SAN JOSE, CA 95113 | $23K |
| INEICH & COMPANY, LLP EIN 56-2552172 NONE | Accounting (including auditing) Service code 10 | 950 TOWER LANE, SUITE 780 FOSTER CITY, CA 94404 | $19K |
| UNITED WORKERS WELLNESS EIN 87-2575833 NONE | Other services Service code 49 | — | $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 | 263 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 194 | $1.1M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE | 239 | $19K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 189 | $14K |
| Prescription drug | FIDELITY SECURITY LIFE INSURANCE COMPANY | 5 | $7K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 189 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.