| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | WORLD TRADE CENTER 101 W. MAIN STREET, SUITE 900 NORFOLK, VA 23510 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $55K | $16K | $70K | 10.92% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | — | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $31K | — | $31K | 4.82% |
| FCE BENEFIT ADMINISTRATORS, INC.5 | 1528 SOUTH EL CAMINO REAL SUITE 307 SAN MATEO, CA 94402 | STANDARD SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $6 | — | $6 | 0.01% |
| FCE BENEFIT ADMINISTRATORS, INC.5 | 1528 SOUTH EL CAMINO REAL SUITE 307 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $500 | $500 | 19.56% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 SOUTH EL CAMINO REAL SUITE 307 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $256 | — | $256 | 10.02% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 61007 VIRGINA BEACH, VA 234661007 | UNITED HEALTHCARE INSURANCE COMPANY | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FCE BENEFIT ADMINISTRATORS EIN 33-0330036 NONE | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 13 | 1528 SOUTH EL CAMINO REAL SUITE 307 SAN MATEO, CA 94402 | $141K |
| FCE BENEFIT ADMINISTRATORS, INC. | Other insurance fees and expenses Service code 73 | — | $18K |
| FIDUCIARY PLAN MANAGEMENT SERVICES EIN 46-3922133 NONE | Trustee (directed); Accounting (including auditing) Service code 10 | 1 ALMADEN BLVD, SUITE 950 SAN JOSE, CA 95113 | $15K |
| INEICH & COMPANY LLP EIN 56-2552172 NONE | Accounting (including auditing) Service code 10 | 950 TOWER LANE, SUITE 780 FOSTER CITY, CA 94404 | $12K |
| FCE FINANCIAL SERVICES EIN 80-0636312 NONE | Claims processing Service code 12 | 1528 SOUTH EL CAMINO REAL SUITE 307 SAN MATEO, CA 94402 | $6K |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 162 | $740K |
| Dental(2 contracts, 2 carriers) | STANDARD SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 102 | $96K |
| Vision | STANDARD SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 102 | $96K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 0 | $0 |
| Short-term disability(2 contracts, 2 carriers) | STANDARD SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 102 | $96K |
| Long-term disability | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 0 | $0 |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 239 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.