| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 SOUTH EL CAMINO REAL STE 307 SAN MATEO, CA 94402 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $11K | — | $11K | 5.00% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 SOUTH EL CAMINO REAL STE 407 SAN MATEO, CA 94402 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $11K | — | $11K | 5.12% |
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFIT ADMINISTRATORS, INC | 1528 EL CAMINO REAL, SUITE 407 SAN MATEO, CA 94409 | COMPANION LIFE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| 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 | — | $10K | $10K | 21.67% |
| FORREST T JONES AND COMPANY, INC3 | 3130 BROADWAY KANSAS CITY, MO 64111 | FIDELITY SECURITY LIFE INSURANCE COMPANY | — | $5K | $5K | 10.83% |
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFIT ADMINISTRATORS | 1528 SOUTH EL CAMINO REAL STE 407 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $2K | $3K | 24.85% |
| FCE BENEFIT ADMINISTRATORS, INC.5 Filed as: FCE BENEFIT ADMINISTRATORS, INC | 1528 SOUTH EL CAMINO REAL, STE 407 SAN MATEO, CA 94402 | EYEMED VISION CARE BEHALF OF FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 9.55% |
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFIT ADMINISTRATORS | 1528 SOUTH EL CAMINO REAL, STE 407 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $290 | $430 | $720 | 24.84% |
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFIT ADMINISTRATORS INC. | 1528 SOUTH EL CAMINO REAL STE 407 SAN MATEO, CA 94402 | TELADOC HEALTH, INC | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FCE BENEFIT ADMINISTRATORS EIN 33-0330036 PLAN SERVICE PROVIDER | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 13 | 1528 SOUTH EL CAMINO REAL, STE 407 SAN MATEO, CA 94402 | $200K |
| 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 | $24K |
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 PLAN SERVICE PROVIDER | Claims processing; Insurance services Service code 12 | — | $20K |
| CLIFTONLARSONALLEN LLP EIN 41-0746749 PLAN SERVICE PROVIDER | Accounting (including auditing) Service code 10 | 915 HIGHLAND POINTE DRIVE, STE 300 ROSEVILLE, CA 95678 | $16K |
| FCE FINANCIAL SERVICES, INC EIN 80-0636312 PLAN SERVICE PROVIDER | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 13 | 1528 S EL CAMINO REAL STE 407 SAN MATEO, CA 94402 | $13K |
| GLOBAL CARE INC. EIN 31-1407689 PLAN SERVICE PROVIDER | Insurance services; Claims processing Service code 12 | PO BOX 743856 ATLANTA, GA 30374 | $13K |
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 | 174 | 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) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 159 | $210K |
| Vision | EYEMED VISION CARE BEHALF OF FIDELITY SECURITY LIFE INSURANCE COMPANY | 167 | $11K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 177 | $14K |
| Prescription drug | FIDELITY SECURITY LIFE INSURANCE COMPANY | 58 | $48K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 97 | $275K |
| Other(3 contracts, 3 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 177 | $213K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.