| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 61007 VIRGINA BEACH, VA 234661007 | UNITED HEALTHCARE INSURANCE COMPANY | $54K | — | $54K | 4.16% |
| FCE BENEFIT ADMINISTRATORS, INC.5 | — | STANDARD SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $27K | — | $27K | 9.00% |
| FCE BENEFIT ADMINISTRATORS, INC.5 | 887 MITTEN ROAD BURLINGAME, CA 940101303 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $3K | $3K | 11.00% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | — | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| FCE BENEFIT ADMINISTRATORS, INC.5 | 887 MITTEN ROAD BURLINGAME, CA 940101303 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $492 | $492 | 11.00% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | — | RELIANCE STANDARD LIFE INSURANCE COMPANY | $447 | — | $447 | 9.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FCE BENEFIT ADMINISTRATORS EIN 33-0330036 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 13 | 887 MITTEN ROAD BURLINGAME, CA 94010 | $184K |
| USI NONE | Participant communication; Contract Administrator Service code 13 | 200 SUMMIT LAKE DRIVE SUITE 350 VALHALLA, NY 10595 | $61K |
| INEICH & COMPANY LLP EIN 56-2552172 NONE | Accounting (including auditing) Service code 10 | 950 TOWER LANE, SUITE 780 FOSTER CITY, CA 94404 | $16K |
| TRUST MANAGEMENT SERVICES EIN 46-3922133 NONE | Accounting (including auditing); Trustee (directed) Service code 10 | 831 MITTEN ROAD, SUITE 215 BURLINGAME, CA 94010 | $13K |
| FCE FINANCIAL SERVICES EIN 80-0636312 NONE | Claims processing Service code 12 | 887 MITTEN ROAD BURLINGAME, CA 94010 | $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 | 411 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 411 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 192 | $1.6M |
| Dental(2 contracts, 2 carriers) | STANDARD SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 192 | $298K |
| Vision | STANDARD SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 192 | $298K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 293 | $26K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 192 | $298K |
| Long-term disability | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 0 | $0 |
| Prescription drug | FIDELITY SECURITY LIFE INSURANCE COMPANY | 411 | $34K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 293 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 411 | — |
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.