| 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 | COMPANION LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFIT ADMINISTRATORS INC | 1528 SOUTH EL CAMINO REAL, STE 307 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $98 | $368 | $466 | 47.36% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 SOUTH EL CAMINO REAL, STE 307 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $17 | $63 | $80 | 47.62% |
| GARY BECKMAN3 | 1528 SOUTH EL CAMINO REAL, STE 307 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FCE BENEFIT ADMINISTRATORS, INC. EIN 33-0330036 PLAN SERVICE PROVIDER | Recordkeeping and information management (computing, tabulating, data processing, etc.); Participant communication; Contract Administrator Service code 13 | 1528 SOUTH EL CAMINO REAL SAN MATEO, CA 94402 | $84K |
| BROADREACH MEDICAL RESOURCES INC. EIN 02-0640082 PLAN SERVICE PROVIDER | Claims processing; Insurance services Service code 12 | 1350 BROADWAY SUITE 410 NEW YORK, NY 10018 | $34K |
| GALLINA LLP EIN 94-2147510 PLAN SERVICE PROVIDER | Accounting (including auditing) Service code 10 | 2870 GOLD TAILINGS COURT RANCHO CORDOVA, CA 95670 | $10K |
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 | 178 | 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) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPANION LIFE INSURANCE COMPANY | 111 | $48K |
| Dental | COMPANION LIFE INSURANCE COMPANY | 111 | $48K |
| Vision | COMPANION LIFE INSURANCE COMPANY | 111 | $48K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 75 | $984 |
| Short-term disability | COMPANION LIFE INSURANCE COMPANY | 111 | $48K |
| Prescription drug | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1 | $0 |
| Other(2 contracts, 2 carriers) | FIRST HEALTH | 75 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 111 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.