| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGENCY OF VA, INC | 8570 MAGELLAN PARKWAY, SUITE 1100 RICHMOND, VA 23227 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $54K | — | $54K | 2.38% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGENCY OF VA, INC | 8570 MAGELLAN PARKWAY, SUITE 1100 RICHMOND, VA 23227 | HEALTHKEEPERS, INC. | $44K | — | $44K | 2.38% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 SOUTH EL CAMINO REAL SUITE 307 SAN MATEO, CA 94402 | MADISON NATIONAL LIFE INSURANCE COMPANY, INC. | $50K | — | $50K | 9.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGENCY OF VA, INC | 8570 MAGELLAN PARKWAY, SUITE 1100 RICHMOND, VA 23227 | ANTHEM LIFE INSURANCE COMPANY | $33K | — | $33K | 14.14% |
| BROWN AND BROWN OF FLORIDA, INC.5 Filed as: BROWN & BROWN INS AGENCY OF VA, INC | 8570 MAGELLAN PARKWAY, SUITE 1100 RICHMOND, VA 23227 | ANTHEM LIFE INSURANCE COMPANY | — | $8K | $8K | 3.49% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGENCY OF VA, INC | 8570 MAGELLAN PARKWAY, SUITE 1100 RICHMOND, VA 23227 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $6K | — | $6K | 7.00% |
| FCE BENEFIT ADMINISTRATORS, INC.5 | 1528 SOUTH EL CAMINO REAL SUITE 307 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $7K | $7K | 15.15% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 SOUTH EL CAMINO REAL SUITE 307 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 SOUTH EL CAMINO REAL SUITE 307 SAN MATEO, CA 94402 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 2.84% |
| FCE BENEFIT ADMINISTRATORS, INC.5 | 1528 SOUTH EL CAMINO REAL SUITE 307 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 15.15% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 SOUTH EL CAMINO REAL SUITE 307 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $786 | — | $786 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FCE BENEFIT ADMINISTRATORS, INC. EIN 33-0330036 NONE | Other insurance fees and expenses; Claims processing; Participant communication; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 12 | 1528 SOUTH EL CAMINO REAL SUITE 307 SAN MATEO, CA 94402 | $1.1M |
| FIDUCIARY PLAN MANAGEMENT SERVICES EIN 46-3922133 NONE | Trustee (directed); Accounting (including auditing) Service code 10 | 1 ALMADEN BOULEVARD, SUITE 950 SAN JOSE, CA 95113 | $109K |
| BROADREACH MEDICAL RESOURCES, INC. EIN 02-0640082 NONE | Claims processing Service code 12 | 1350 BROADWAY NEW YORK, NY 10018 | $11K |
| INEICH & COMPANY, LLP EIN 56-2552172 NONE | Accounting (including auditing) Service code 10 | 950 TOWER LANE, SUITE 780 FOSTER CITY, CA 94404 | $11K |
| MAGELLAN BEHAVIORAL HEALTH EIN 52-2135463 NONE | Other services Service code 49 | 14100 MAGELLAN PLAZA MARYLAND HEIGHTS, MO 63043 | $8K |
| COVENTRY HEALTH CARE (FIRST HEALTH) NONE | Other services Service code 49 | 10150 SOUTH CENTENNIAL PARKWAY SUITE 450 SANDY, UT 84070 | $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 | 787 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 787 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 361 | $4.7M |
| Dental(2 contracts, 2 carriers) | MADISON NATIONAL LIFE INSURANCE COMPANY, INC. | 127 | $585K |
| Vision | MADISON NATIONAL LIFE INSURANCE COMPANY, INC. | 101 | $502K |
| Life insurance(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 639 | $278K |
| Short-term disability(2 contracts, 2 carriers) | MADISON NATIONAL LIFE INSURANCE COMPANY, INC. | 170 | $734K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 170 | $232K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 639 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 639 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.