| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 SOUTH EL CAMINIO REAL, STE 407 SAN MATEO, CA 94402 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $9K | — | $9K | 4.54% |
| 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 | $4K | — | $4K | 6.50% |
| FCE BENEFIT ADMINISTRATORS, INC.5 Filed as: FCE BENEFIT ADMINISTRATORS, INC | 1528 SOUTH EL CAMINO REAL, STE 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 | — | $1K | $1K | 10.83% |
| 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 | $583 | — | $583 | 5.00% |
| FCE BENEFIT ADMINISTRATORS, INC.5 | 1528 SOUTH EL CAMINO REAL, STE 407 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 12.74% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 SOUTH EL CAMINO REAL, STE 407 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFIT ADMINISTRATORS, INC | 4615 WALZEM RD, STE 300 SAN ANTONIO, TX 78128 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $531 | — | $531 | 8.49% |
| FCE BENEFIT ADMINISTRATORS, INC.5 Filed as: FCE BENEFIT ADMINISTRATORS INC | 1528 SOUTH EL CAMINO REAL, STE 407 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $224 | $224 | 12.77% |
| 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 | $175 | — | $175 | 9.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FCE BENEFIT ADMINISTRATORS, INC. EIN 33-0330036 NONE | Claims processing; Contract Administrator; Other insurance fees and expenses; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 1528 S. EL CAMINO REAL, SUITE 407 SAN MATEO, CA 94402 | $120K |
| ALLEGEANT, LLC EIN 64-0955384 NONE | Participant communication; Contract Administrator Service code 13 | 1954 GREENSPRING DRIVE, SUITE 640 TIMONIUM, MD 21093 | $26K |
| INEICH & COMPANY, LLP EIN 56-2552172 NONE | Accounting (including auditing) Service code 10 | 950 TOWER LANE, SUITE 780 FOSTER CITY, CA 94404 | $20K |
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 NONE | Other services Service code 49 | PO BOX 645014 CINCINNATI, OH 45264 | $15K |
| FIDUCIARY PLAN MANAGEMENT SERVICES EIN 46-3922133 NONE | Trustee (directed); Accounting (including auditing) Service code 10 | 1 ALMADEN BOULEVARD, SUITE 750 SAN JOSE, CA 95113 | $11K |
| FCE FINANCIAL SERVICES, INC. EIN 80-0636312 NONE | Participant communication; Claims processing Service code 12 | 1528 S. EL CAMINO REAL, SUITE 407 SAN MATEO, CA 94402 | $8K |
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 | 107 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 29 | $67K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 110 | $6K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 106 | $10K |
| Prescription drug | FIDELITY SECURITY LIFE INSURANCE COMPANY | 29 | $12K |
| Stop-loss / reinsurancereinsurance | FIDELITY SECURITY LIFE INSURANCE COMPANY | 71 | $199K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 106 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110 | — |
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.