| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFIT ADMINISTRATORS, INC | 1528 S. EL CAMINO REAL, SUITE 407 SAN MATEO, CA 94409 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $11K | — | $11K | 5.38% |
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFIT ADMINISTRATORS INC | 1528 SOUTH EL CAMINO REAL, STE 307 SAN MATEO, CA 94402 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $7K | — | $7K | 6.78% |
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFIT ADMINISTRATORS, INC | 1528 EL CAMINO REAL, SUITE 407 SAN MATEO, CA 94409 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $809 | $4K | $4K | 26.67% |
| FORREST T JONES AND COMPANY, INC3 | — | FIDELITY SECURITY LIFE INSURANCE COMPANY | — | $2K | $2K | 10.84% |
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFIT ADMINISTRATORS INC. | 1528 S EL CAMINO REAL STE 407 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $1K | $3K | 23.52% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 4615 WALZEM ROAD, SUITE 300 SAN ANTONIO, TX 78218 | EYE MED VISION CARE FIDELITY SECURITY LIFE INSURANCE COMPANY | $685 | — | $685 | 9.57% |
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFIT ADMINISTRATORS, INC | 1528 EL CAMINO REAL, SUITE 407 SAN MATEO, CA 94409 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $181 | $243 | $424 | 23.40% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FCE BENEFIT ADMINISTRATORS, INC. EIN 33-0330036 SERVICE PROVIDER | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 13 | 1528 SOUTH EL CAMINO REAL, STE 307 SAN MATEO, CA 94402 | $125K |
| CLIFTONLARSONALLEN LLP EIN 41-0746749 NONE | Accounting (including auditing) Service code 10 | 925 HIGHLAND POINTE DRIVE, STE 450 ROSEVILLE, CA 95678 | $22K |
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 NONE | Claims processing Service code 12 | — | $16K |
| TRUST MANAGEMENT SERVICES EIN 46-3922133 SERVICE PROVIDER | Accounting (including auditing); Trustee (directed) Service code 10 | 1 ALMADEN BLVD, SUITE 620 SAN JOSE, CA 95113 | $8K |
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 | 124 | 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) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 92 | $108K |
| Dental | FIDELITY SECURITY LIFE INSURANCE COMPANY | 92 | $108K |
| Vision | EYE MED VISION CARE FIDELITY SECURITY LIFE INSURANCE COMPANY | 143 | $7K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 104 | $11K |
| Prescription drug | FIDELITY SECURITY LIFE INSURANCE COMPANY | 4 | $16K |
| Stop-loss / reinsurancereinsurance | FIDELITY SECURITY LIFE INSURANCE COMPANY | 74 | $200K |
| Other(3 contracts, 3 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 120 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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.