| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 SOUTH EL CAMINO REAL, SUITE307 SAN MATEO, CA 94402 | UNITEDHEALTHCARE INSURANCE COMPANY | $16K | — | $16K | 2.96% |
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFIT ADMINISTRATORS, INC | 1528 SOUTH EL CAMINO REAL, STE 407 SAN MATEO, CA 94402 | COMPANION LIFE INSURANCE COMPANY | $38K | — | $38K | 26.36% |
| FCE BENEFIT ADMINISTRATORS, INC.5 | 1528 SOUTH EL CAMINO REAL, SUITE307 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $4K | $4K | 14.48% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 SOUTH EL CAMINO REAL, SUITE307 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFIT ADMINISTRATORS, INC | 1528 SOUTH EL CAMINO REAL, STE 407 SAN MATEO, CA 94402 | EYEMED | $300 | — | $300 | 2.48% |
| FCE BENEFIT ADMINISTRATORS, INC.5 Filed as: FCE BENEFIT ADMINISTRATORS INC | 1528 SOUTH EL CAMINO REAL, SUITE307 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $562 | $562 | 14.53% |
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFIT ADMINISTRATORS INC | 1528 SOUTH EL CAMINO REAL, SUITE307 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $387 | — | $387 | 10.01% |
| 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 | 1528 S. EL CAMINO REAL, SUITE 307 SAN MATEO, CA 94402 | $157K |
| FCE BENEFIT ADMINISTRTORS, INC. | Other insurance fees and expenses; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $33K |
| PSA FINANCIAL INC. EIN 52-1199550 NONE | Participant communication; Contract Administrator Service code 13 | 11311 MCCORMICK ROAD, SUITE 500 HUNT VALLEY, MD 210318622 | $19K |
| ALLEGEANT, LLC EIN 64-0955384 NONE | Contract Administrator; Participant communication Service code 13 | 15 S HANSON STREET EASTON, MD 21601 | $18K |
| INEICH & COMPANY, LLP EIN 56-2552172 NONE | Accounting (including auditing) Service code 10 | 950 TOWER LANE, SUITE 780 FOSTER CITY, CA 94404 | $14K |
| FCE FINANCIAL SERVICES, INC. EIN 80-0636312 NONE | Participant communication; Contract Administrator Service code 13 | 1528 S. EL CAMINO REAL, SUITE 307 SAN MATEO, CA 94402 | $11K |
| FIDUCIARY PLAN MANAGEMENT SERVICES EIN 46-3922133 NONE | Accounting (including auditing); Trustee (directed) Service code 10 | 1 ALMADEN BOULEVARD, SUITE 620 SAN JOSE, CA 95113 | $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 | 141 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 111 | $698K |
| Dental | COMPANION LIFE INSURANCE COMPANY | 60 | $145K |
| Vision | EYEMED | 60 | $12K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 139 | $25K |
| Short-term disability | COMPANION LIFE INSURANCE COMPANY | 60 | $145K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 139 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.