| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC5 Filed as: WILLIS OF MARYLAND, INC | 225 SCHILLING CIR STE 150 HUNT VALLEY, MD 21031 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $37K | $37K | 4.76% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND, INC | 225 SCHILLING CIR STE 150 HUNT VALLEY, MD 21031 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 0.21% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 SOUTH EL CAMINO REAL, STE 407 SAN MATEO, CA 94402 | COMPANION LIFE INSURANCE COMPANY | $6K | — | $6K | 5.00% |
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFITS ADMINISTRATORS, INC. | 1528 SOUTH EL CAMINO REAL, STE 407 SAN MATEO, CA 94402 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 2.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SE-MD HUNT B. | 225 SCHILLING CIR, STE 150 HUNT VALLEY, MD 210311126 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 11.35% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC | 225 SCHILLING CIR, STE 150 HUNT VALLEY, MD 210311126 | HUMANA INSURANCE COMPANY | $16 | — | $16 | 0.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUT | PO BOX 13784 NEWARK, NJ 07188 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 15.00% |
| WILLIS TOWERS WATSON US LLC5 Filed as: WILLIS TOWERS WATSON SOUT | PO BOX 13784 NEWARK, NJ 07188 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $541 | $541 | 1.99% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 SOUTH EL CAMINO REAL, STE. 407 SAN MATEO, CA 94402 | COMPANION LIFE INSURANCE COMPANY | $2K | — | $2K | 8.94% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUT | PO BOX 13784 NEWARK, NJ 07188 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| WILLIS TOWERS WATSON US LLC5 Filed as: WILLIS TOWERS WATSON SOUT | PO BOX 13784 NEWARK, NJ 07188 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $239 | $239 | 1.88% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUT | PO BOX 13784 NEWARK, NJ 07188 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 15.00% |
| WILLIS TOWERS WATSON US LLC5 Filed as: WILLIS TOWERS WATSON SOUT | PO BOX 13784 NEWARK, NJ 07188 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $246 | $246 | 2.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 225 SCHILLING CIRCLE STE 150 HUNT VALLEY, MD 21031 | EYEMED | $826 | — | $826 | 8.40% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS HRH - HUNT VALLEY, MD - 52- | 225 SCHILLING CIRCLE STE 150 HUNT VALLEY, MD 21031 | EYEMED | $224 | — | $224 | 2.28% |
| FCE BENEFIT ADMINISTRATORS, INC.5 | 1528 SOUTH EL CAMINO REAL, STE 407 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 16.77% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 SOUTH EL CAMINO REAL, STE 407 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $902 | — | $902 | 11.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUT | PO BOX 13784 NEWARK, NJ 07188 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $611 | — | $611 | 12.00% |
| WILLIS TOWERS WATSON US LLC5 Filed as: WILLIS TOWERS WATSON SOUT | PO BOX 13784 NEWARK, NJ 07188 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $84 | $84 | 1.65% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 SOUTH EL CAMINO REAL, STE. 407 SAN MATEO, CA 94402 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $251 | — | $251 | 6.50% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 SOUTH EL CAMINO REAL, STE 407 SAN MATEO, CA 94402 | EYEMED | $56 | — | $56 | 2.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC | 225 SCHILLING CIRCLE, SUITE 150 HUNT VALLEY, MD 21031 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $214 | — | $214 | 9.61% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND, INC. | 225 SCHILLING CIRCLE, SUITE 150 HUNT VALLEY, MD 21031 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $34 | $34 | 1.53% |
| FCE BENEFIT ADMINISTRATORS, INC.5 | 1528 SOUTH EL CAMINO REAL, STE. 407 SAN MATEO, CA 94402 | FIDELITY SECURITY LIFE INSURANCE COMPANY | — | $487 | $487 | 32.49% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 SOUTH EL CAMINO REAL, STE. 407 SAN MATEO, CA 94402 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $75 | — | $75 | 5.00% |
| 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 | — | $227 | $227 | 16.95% |
| 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 | $147 | — | $147 | 10.98% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUT | PO BOX 13784 NEWARK, NJ 07188 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $53 | — | $53 | 11.88% |
| WILLIS TOWERS WATSON US LLC5 Filed as: WILLIS TOWERS WATSON SOUT | PO BOX 13784 NEWARK, NJ 07188 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $6 | $6 | 1.35% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FCE BENEFIT ADMINISTRATORS, INC. EIN 33-0330036 NONE | Contract Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 1528 S. EL CAMINO REAL, SUITE 407 SAN MATEO, CA 94402 | $53K |
| INEICH & COMPANY, LLP EIN 56-2552172 NONE | Accounting (including auditing) Service code 10 | 950 TOWER LANE, SUITE 780 FOSTER CITY, CA 94404 | $35K |
| 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 | $16K |
| WILLIS TOWERS WATSON SOUTHEAST, INC EIN 62-1404453 NONE | Contract Administrator; Participant communication Service code 13 | 12505 PARK POTOMAC AVENUE, STE 300 POTOMAC, MD 20854 | $10K |
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 NONE | Other services Service code 49 | — | $8K |
| FCE BENEFIT ADMINISTRTORS, INC. | Other insurance fees and expenses Service code 73 | — | $3K |
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 | 234 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 66 | $872K |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 89 | $45K |
| Vision(2 contracts) | EYEMED | 157 | $12K |
| Life insurance(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 103 | $23K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 104 | $45K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 104 | $13K |
| Prescription drug | FIDELITY SECURITY LIFE INSURANCE COMPANY | 5 | $1K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 39 | $116K |
| Other(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 103 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.