Filings through .
| Carrier | Coverage | Premium, renewal |
|---|---|---|
HealthRxDentalVision | HealthRxDentalVision | Pro |
Broker: Lockton Companies LLC LifeSTDOtherHealth | LifeSTDOtherHealth | Pro |
See premium, retention and renewal dates for 3 contracts with Pro.
Pro shows premium, covered lives, retention, contract numbers and the renewal date for each contract. Free for 7 days, no card. Then $49 a month. Cancel any time.
| Broker | Commissions, fees |
|---|---|
Carrier: Metropolitan Life Insurance Company | Pro |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FCE BENEFIT ADMINISTRATORS, INC. EIN 33-0330036 PLAN SERVICE PROVIDER | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 13 | 1528 SOUTH EL CAMINO REAL, STE 407 SAN MATEO, CA 94402 | $219K |
| LOCKTON COMPANIES, LLC EIN 20-3354970 NONE | Insurance agents and brokers Service code 22 | 111 E. KILBURN AVENUE SUITE 825 MILWAUKEE, WI 53202 | $105K |
| TRUST MANAGEMENT SERVICES EIN 46-3922133 PLAN SERVICE PROVIDER | Accounting (including auditing); Trustee (directed) Service code 10 | 1 ALMADEN BLVD, SUITE 620 SAN JOSE, CA 95113 | $31K |
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 | 247 | 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) | 247 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALVOS SELECTCARE INSURACE, INC. | 231 | $1.5M |
| Dental | CALVOS SELECTCARE INSURACE, INC. | 231 | $1.5M |
| Vision | CALVOS SELECTCARE INSURACE, INC. | 231 | $1.5M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 242 | $41K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 242 | $41K |
| Prescription drug | CALVOS SELECTCARE INSURACE, INC. | 231 | $1.5M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 242 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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 comp is under 1% of premium on a plan over $1M. The plan may have no broker or pay a flat fee. Consultant sales target.
The top carrier holds over 85% of premium. A rate increase from that carrier moves the whole plan.
Schedule A changed between filings. The plan moved between insured and self-funded, or contracts were added or removed. The transition window is open.