| 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 | $10K | — | $10K | 5.00% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 SOUTH EL CAMINO REAL STE 407 SAN MATEO, CA 94402 | COMPANION LIFE INSURANCE COMPANY | $12K | — | $12K | 19.06% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 SOUTH EL CAMINO REAL STE 407 SAN MATEO, CA 94402 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 6.50% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 SOUTH EL CAMINO REAL STE 407 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $2K | $3K | 24.17% |
| FCE BENEFIT ADMINISTRATORS, INC.5 Filed as: FCE BENEFIT ADMINISTRATORS, INC | 1528 SOUTH EL CAMINO REAL, STE 407 SAN MATEO, CA 94402 | EYEMED | $247 | — | $247 | 2.50% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 SOUTH EL CAMINO REAL STE 407 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $184 | $239 | $423 | 25.25% |
| 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; Other services; Claims processing Service code 12 | 1528 SOUTH EL CAMINO REAL, STE 407 SAN MATEO, CA 94402 | $133K |
| CLIFTONLARSONALLEN LLP EIN 41-0746749 PLAN SERVICE PROVIDER | Accounting (including auditing) Service code 10 | 915 HIGHLAND POINTE DRIVE STE 300 ROSEVILLE, CA 95678 | $23K |
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 PLAN SERVICE PROVIDER | Claims processing Service code 12 | — | $11K |
| TRUST MANAGEMENT SERVICES EIN 46-3922133 PLAN SERVICE PROVIDER | Accounting (including auditing); Trustee (directed) Service code 10 | 1 ALMADEN BLVD, STE 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 | 112 | 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) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 112 | $322K |
| Dental(2 contracts) | COMPANION LIFE INSURANCE COMPANY | 105 | $266K |
| Vision | EYEMED | 105 | $10K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 126 | $13K |
| Short-term disability(2 contracts) | COMPANION LIFE INSURANCE COMPANY | 105 | $266K |
| Prescription drug | FIDELITY SECURITY LIFE INSURANCE | 38 | $16K |
| Other(3 contracts, 3 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 126 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 126 | — |
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.