| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFIT ADMINISTRATORS INC | 1528 SOUTH EL CAMINO REAL, STE 407 SAN MATEO, CA 94402 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $13K | — | $13K | 4.22% |
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFIT ADMINISTRATORS INC. | 1528 SOUTH EL CAMINO REAL STE 407 SAN MATEO, CA 94402 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $9K | $36K | $46K | 31.50% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 SOUTH EL CAMINO REAL, STE 407 SAN MATEO, CA 94402 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $7K | — | $7K | 5.14% |
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFIT ADMINISTRATORS, INC | 1528 EL CAMINO REAL, SUITE 407 SAN MATEO, CA 94409 | FIDELITY SECURITY LIFE INSURANCE COMPANY | — | $14K | $14K | 21.67% |
| FORREST T JONES AND COMPANY, INC3 | 3130 BROADWAY KANSAS CITY, MO 64111 | FIDELITY SECURITY LIFE INSURANCE COMPANY | — | $7K | $7K | 10.83% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 S EL CAMINO REAL STE 307 SAN MATEO, CA 94402 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $2K | — | $2K | 10.54% |
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFIT ADMINISTRATORS INC | 1528 SOUTH EL CAMINO REAL, STE 407 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $2K | $3K | 22.32% |
| FCE BENEFIT ADMINISTRATORS, INC.5 Filed as: FCE BENEFIT ADMINISTRATORS, INC | 4615 WALZEM ROAD, SUITE 300 SAN ANTONIO, TX 78218 | EYEMED VISON CARE FOR FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 12.00% |
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFIT ADMINISTRATORS INC | 1528 SOUTH EL CAMINO REAL, STE 407 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $354 | $364 | $718 | 22.31% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FCE BENEFIT ADMINISTRATORS, INC. EIN 33-0330036 PLAN SERVICE PROVIDER | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 13 | 1528 SOUTH EL CAMINO REAL, STE 407 SAN MATEO, CA 94402 | $179K |
| USI INSURANCE SERVICES NTL, INC. EIN 56-1882208 PLAN SERVICE PROVIDER | Insurance agents and brokers Service code 22 | 7535 IRVINE CENTER DR STE 250 IRVINE, CA 92618 | $28K |
| CLIFTONLARSONALLEN LLP EIN 41-0746749 AUDITOR/ACCOUNTING | Accounting (including auditing) Service code 10 | 915 HIGHLAND POINTE DRIVE, STE 300 ROSEVILLE, CA 95678 | $22K |
| TRUST MANAGEMENT SERVICES, INC. EIN 46-3922133 PLAN SERVICE PROVIDER | Trustee (directed); Accounting (including auditing) Service code 10 | 1 ALMADEN BLVD, STE 750 SAN JOSE, CA 95113 | $17K |
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 PLAN SERVICE PROVIDER | Claims processing Service code 12 | — | $11K |
| FIRST HEALTH EIN 20-1736437 PLAN SERVICE PROVIDER | Claims processing Service code 12 | 28588 NORTHWESTERN HWY SOUTHFIELD, MI 48034 | $5K |
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 | 218 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 104 | $450K |
| Dental | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 57 | $17K |
| Vision(2 contracts, 2 carriers) | EYEMED VISON CARE FOR FIDELITY SECURITY LIFE INSURANCE COMPANY | 441 | $13K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 203 | $15K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 111 | $370K |
| Stop-loss / reinsurancereinsurance | FIDELITY SECURITY LIFE INSURANCE COMPANY | 55 | $142K |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 203 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 441 | — |
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.