| 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 307 SAN MATEO, CA 94402 | UNITED HEALTH CARE INSURANCE COMPANY | $38K | — | $38K | 2.84% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 S. EL CAMINO REAL, SUITE 307 SAN MATEO, CA 94402 | COMPANION LIFE | $13K | — | $13K | 3.71% |
| FCE BENEFIT ADMINISTRATORS, INC.5 | 1528 S. EL CAMINO REAL, SUITE 307 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $4K | $4K | 17.52% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 S. EL CAMINO REAL, SUITE 307 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 7.52% |
| FCE BENEFIT ADMINISTRATORS, INC.5 Filed as: FCE BENEFIT ADMINISTRATORS | 1528 S. EL CAMINO REAL, SUITE 307 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $656 | $656 | 17.39% |
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFIT ADMINISTRATORS | 1528 S. EL CAMINO REAL, SUITE 307 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $284 | — | $284 | 7.53% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FCE BENEFIT ADMINISTRATORS, INC. EIN 33-0330036 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other insurance fees and expenses; Contract Administrator Service code 13 | 1528 S. EL CAMINO REAL, SUITE 307 SAN MATEO, CA 94402 | $375K |
| FIDUCIARY PLAN MGMT SERVICES, INC. EIN 46-3922133 NONE | Accounting (including auditing); Trustee (directed) Service code 10 | 1 ALMADEN BLVD, SUITE 950 SAN JOSE, CA 95113 | $45K |
| INEICH & COMPANY, LLP EIN 56-2552172 NONE | Accounting (including auditing) Service code 10 | 950 TOWER LANE, SUITE 780 FOSTER CITY, CA 94404 | $11K |
| FCE FINANCIAL SERVICES, INC. EIN 80-0636312 NONE | Claims processing Service code 12 | 1528 S. EL CAMINO REAL, SUITE 307 SAN MATEO, CA 94402 | $10K |
| COVENTRY HEALTH CARE NONE | Other services Service code 49 | 10150 S. CENTENNIAL PKWY, SUITE 450 SANDY, UT 84070 | $8K |
| BROADREACH MEDICAL RESOURCES, INC. NONE | Claims processing Service code 12 | 1350 BROADWAY NEW YORK, NY 10018 | $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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTH CARE INSURANCE COMPANY | 335 | $1.7M |
| Dental | COMPANION LIFE | 223 | $358K |
| Vision | COMPANION LIFE | 223 | $358K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 301 | $25K |
| Short-term disability | COMPANION LIFE | 223 | $358K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 301 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 335 | — |
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.