| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FCE BENEFIT ADMINISTRATORS, INC.5 Filed as: FCE BENEFITS ADMINISTRATORS,INC. | 887 MITTEN ROAD BURLINGAME, CA 94010 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $43K | $43K | 10.10% |
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFITS ADMINISTRATORS,INC. | 887 MITTEN ROAD BURLINGAME, CA 94010 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $39K | — | $39K | 9.18% |
| FCE BENEFIT ADMINISTRATORS, INC.5 | 887 MITTEN RD. BURLIINGAME, CA 94010 | MADISON NATIONAL LIFE INSURANCE COMPANY, INC | $23K | — | $23K | 6.00% |
| FCE BENEFIT ADMINISTRATORS, INC.5 Filed as: FCE BENEFITS ADMINISTRATORS,INC. | 887 MITTEN ROAD BURLINGAME, CA 94010 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $21K | $21K | 10.10% |
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFITS ADMINISTRATORS,INC. | 887 MITTEN ROAD BURLINGAME, CA 940101303 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $19K | — | $19K | 9.18% |
| FCE BENEFIT ADMINISTRATORS, INC.5 Filed as: FCE BENEFITS ADMINISTRATORS, INC. | 887 MITTEN ROAD BURLINGAME, CA 940101303 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $14K | $14K | 10.12% |
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFITS ADMINISTRATORS, INC. | 887 MITTEN ROAD BURLINGAME, CA 940101303 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | — | $12K | 9.20% |
| PORTER L. STEPHEN3 | 887 MITTEN RD BURLINGAME, CA 94010 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $2K | — | $2K | 2.76% |
| FCE BENEFIT ADMINISTRATORS, INC.5 Filed as: FCE BENEFITS ADMINISTRATORS,INC. | 887 MITTEN ROAD BURLINGAME, CA 94010 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $3K | $3K | 8.83% |
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFITS ADMINISTRATORS,INC. | 887 MITTEN ROAD BURLINGAME, CA 94010 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 8.03% |
| FCE BENEFIT ADMINISTRATORS, INC.5 Filed as: FCE BENEFIT ADMINSTRATORS, INC. | 887 MITTEN ROAD BURLINGAME, CA 94010 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $3K | $3K | 10.12% |
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFIT ADMINSTRATORS, INC. | 887 MITTEN ROAD BURLINGAME, CA 94010 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 9.20% |
| FCE BENEFIT ADMINISTRATORS, INC.5 Filed as: FCE BENEFITS ADMINISTRATORS, INC. | 887 MITTEN ROAD BURLINGAME, CA 940101303 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 8.71% |
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFITS ADMINISTRATORS, INC. | 887 MITTEN ROAD BURLINGAME, CA 94010 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 7.92% |
| ALLIANT INSURANCE SERVICES, INC.5 Filed as: ALLIANT INSURANCE SERVICES INC | 1420 5TH AVENUE SUITE 1500 SEATTLE, WA 981012424 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $423 | $423 | 2.29% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1420 5TH AVENUE SUITE 1500 SEATTLE, WA 981012424 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $384 | — | $384 | 2.08% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | USABLE LIFE | $4 | — | $4 | 2.31% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FCE BENEFIT ADMINISRTATORS, INC. EIN 33-0330036 NONE | Participant communication; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | 887 MITTEN ROAD BURLINGAME, CA 940101303 | $1.3M |
| TRUST MANAGEMENT SERVICES EIN 46-3922133 NONE | Trustee (directed); Accounting (including auditing) Service code 10 | 831 MITTEN ROAD, SUITE 215 BURLINGAME, CA 94010 | $187K |
| INEICH & COMPANY, LLP EIN 56-2552172 NONE | Accounting (including auditing) Service code 10 | 950 TOWER LANE, SUITE 780 FOSTER CITY, CA 94404 | $33K |
| FCE BENEFIT ADMINISTRATORS, INC. | Other insurance fees and expenses Service code 73 | — | $3K |
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 | 1,897 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,897 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 6 carriers) | MADISON NATIONAL LIFE INSURANCE COMPANY, INC | 85 | $464K |
| Dental(6 contracts, 6 carriers) | MADISON NATIONAL LIFE INSURANCE COMPANY, INC | 85 | $464K |
| Vision(3 contracts, 3 carriers) | MADISON NATIONAL LIFE INSURANCE COMPANY, INC | 85 | $384K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,549 | $426K |
| Short-term disability(4 contracts, 3 carriers) | MADISON NATIONAL LIFE INSURANCE COMPANY, INC | 993 | $615K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 603 | $135K |
| Prescription drug(3 contracts, 3 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 940 | $38K |
| Other(7 contracts, 5 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,568 | $516K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,568 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.