| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FCE BENEFIT ADMINISTRATORS, INC.3 | 887 MITTEN ROAD BURLINGAME, CA 94010 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | — | $14K | 2.98% |
| FCE BENEFIT ADMINISTRATORS, INC.5 | 887 MITTEN ROAD BURLINGAME, CA 94010 | STANDARD SECURITY LIFE INSURANCE COMPANY | $28K | — | $28K | 12.00% |
| FCE BENEFIT ADMINISTRATORS, INC.5 | 887 MITTEN ROAD BURLINGAME, CA 94010 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $5K | $5K | 11.00% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 887 MITTEN ROAD BURLINGAME, CA 94010 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| FCE BENEFIT ADMINISTRATORS, INC.5 Filed as: FCE BENEFIT ADMINISTRATORS INC | 887 MITTEN ROAD BURLINGAME, CA 94010 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $748 | $748 | 11.00% |
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFIT ADMINISTRATORS INC | 887 MITTEN ROAD BURLINGAME, CA 94010 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $680 | — | $680 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FCE BENEFIT ADMINISTRATORS, INC. EIN 33-0330036 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 13 | 887 MITTEN ROAD BURLINGAME, CA 94010 | $155K |
| CAPITAL SERVICES, INC. EIN 46-1275386 NONE | Contract Administrator; Participant communication Service code 13 | 29 W. SUSQUEHANNA AVENUE, SUITE 400 TOWSON, MD 21204 | $32K |
| TRUST MANAGEMENT SERVICES EIN 46-3922133 NONE | Trustee (directed); Accounting (including auditing) Service code 10 | 831 MITTEN ROAD, SUITE 215 BURLINGAME, CA 94010 | $9K |
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 | 136 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 144 | $704K |
| Dental | STANDARD SECURITY LIFE INSURANCE COMPANY | 144 | $235K |
| Vision | STANDARD SECURITY LIFE INSURANCE COMPANY | 144 | $235K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 132 | $41K |
| Short-term disability | STANDARD SECURITY LIFE INSURANCE COMPANY | 144 | $235K |
| Prescription drug | FIDELITY SECURITY LIFE INSURANCE COMPANY | 55 | $31K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 138 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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.