| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $13K | — | $13K | 4.14% |
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFIT ADMINISTRATORS, INC | 4615 WALZEM RD. SUITE 300 SAN ANTONIO, TX 78218 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $515 | — | $515 | 8.82% |
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFIT ADMINISTRATORS | 1528 EL CAMINO REAL, SUITE 407 SAN MATEO, CA 94409 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $410 | $419 | $829 | 22.25% |
| 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 | $79 | $80 | $159 | 22.08% |
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFIT ADMINISTRATORS, IN | 1528 EL CAMINO REAL, SUITE 407 SAN MATEO, CA 94409 | FIDELITY SECURITY LIFE INSURANCE | $6 | $24 | $30 | 27.27% |
| FORREST T JONES AND COMPANY, INC3 Filed as: FORREST T JONES AND COMPANY INC | 3130 BROADWAY KANSAS CITY, MO 64111 | FIDELITY SECURITY LIFE INSURANCE | — | $12 | $12 | 10.91% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FCE BENEFIT ADMINISTRATION EIN 33-0330036 PLAN SERVICE PROVIDER | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 13 | 1528 E EL CAMINO REAL, SUITE 407 SAN MATEO, CA 94402 | $103K |
| CLA EIN 41-0746749 PLAN SERVICE PROVIDER | Contract Administrator Service code 13 | — | $21K |
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 PLAN SERVICE PROVIDER | Trustee (directed); Accounting (including auditing) Service code 10 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $21K |
| WORLD INSURANCE ASSOC, LLC EIN 45-3601219 PLAN SERVICE PROVIDER | Claims processing Service code 12 | 100 WOOD AVENUE S, 4TH FLOOR ISELIN, NJ 08830 | $17K |
| TRUST MANAGEMENT SERVICES EIN 46-3922133 TRUSTEE | Trustee (bank, trust company, or similar financial institution) Service code 21 | 1 ALMADEN BLVD, SUITE 750 SAN JOSE, CA 95113 | $11K |
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 | 395 | 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) | 395 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 129 | $6K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 60 | $4K |
| Prescription drug | FIDELITY SECURITY LIFE INSURANCE | 1 | $110 |
| Stop-loss / reinsurancereinsurance | FIDELITY SECURITY LIFE INSURANCE COMPANY | 112 | $321K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 60 | $720 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 129 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.