| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 SOUTH EL CAMINO REAL STE 407 SAN MATEO, CA 94402 | COMPANION LIFE INSURANCE COMPANY | $14K | — | $14K | 5.00% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 SOUTH EL CAMINO REAL STE 407 SAN MATEO, CA 94402 | FIDELITY SECURITY LIFE INSURANCE | $3K | — | $3K | 5.00% |
| 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 | $1K | $2K | $3K | 25.12% |
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFIT ADMINISTRATORS INC | 1528 SOUTH EL CAMINO REAL, STE 407 SAN MATEO, CA 94402 | EYEMED | $238 | — | $238 | 2.50% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 SOUTH EL CAMINO REAL STE 407 SAN MATEO, CA 94402 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $360 | — | $360 | 6.51% |
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFIT ADMINISTRATORS INC | 1887 MITTEN RD, STE 200 BURLINGAME, CA 94010 | RELIANCE LIFE INSURANCE COMPANY | $223 | $285 | $508 | 25.05% |
| 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 | $123K |
| CLIFTONLARSONALLEN LLP EIN 41-0746749 PLAN SERVICE PROVIDER | Accounting (including auditing) Service code 10 | 915 HIGHLAND POINTE DRIVE, STE 300 ROSEVILLE, CA 95678 | $21K |
| GLOBAL CARE EIN 31-1407689 PLAN SERVICE PROVIDER | Claims processing Service code 12 | PO BOX 743856 ATLANTA, GA 30374 | $8K |
| TRUST MANAGEMENT SERVICES EIN 46-3922133 PLAN SERVICE PROVIDER | Trustee (directed); Accounting (including auditing) Service code 10 | 1 ALMADEN BLVD, SUITE 620 SAN JOSE, CA 95113 | $7K |
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 | 140 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 107 | $41K |
| Dental | COMPANION LIFE INSURANCE COMPANY | 107 | $36K |
| Vision(2 contracts, 2 carriers) | EYEMED | 165 | $11K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 144 | $13K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 90 | $346K |
| Other(4 contracts, 4 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 144 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.