| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FCE BENEFIT ADMINISTRATORS, INC.5 Filed as: FCE BENEFIT ADMINSTRATORS, INC. | 1528 SOUTH EL CAMINO REAL SUITE 307 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $14K | $14K | 14.62% |
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFIT ADMINSTRATORS, INC. | 1528 SOUTH EL CAMINO REAL SUITE 307 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| FCE BENEFIT ADMINISTRATORS, INC.5 Filed as: FCE BENEFITS ADMINISTRATORS,INC. | 1528 SOUTH EL CAMINO REAL SUITE 307 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $13K | $13K | 14.46% |
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFITS ADMINISTRATORS,INC. | 1528 SOUTH EL CAMINO REAL SUITE 307 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| FCE BENEFIT ADMINISTRATORS, INC.5 Filed as: FCE BENEFITS ADMINISTRATORS,INC. | 1528 SOUTH EL CAMINO REAL SUITE 307 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $5K | $5K | 14.24% |
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFITS ADMINISTRATORS,INC. | 1528 SOUTH EL CAMINO REAL SUITE 307 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FCE BENEFIT ADMINISRTATORS, INC. EIN 33-0330036 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Participant communication Service code 13 | 1528 SOUTH EL CAMINO REAL SUITE 307 SAN MATEO, CA 94402 | $327K |
| FIDUCIARY PLAN MANAGEMENT SERVICES EIN 46-3922133 NONE | Trustee (directed); Accounting (including auditing) Service code 10 | 1 ALMADEN BOULEVARD, SUITE 950 SAN JOSE, CA 95113 | $63K |
| GLOBAL CARE, INC. EIN 65-0684814 NONE | Other services Service code 49 | P. O. BOX 743856 ATLANTA, GA 303743856 | $33K |
| INEICH & COMPANY, LLP EIN 56-2552172 NONE | Accounting (including auditing) Service code 10 | 950 TOWER LANE, SUITE 780 FOSTER CITY, CA 94404 | $33K |
| CSG CONSULTING, INC. NONE | Other services Service code 49 | P O BOX 6081 BUFFALO GROVE, IL 60089 | $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 | 308 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 308 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 373 | $2.3M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 373 | $2.2M |
| Vision(2 contracts) | AETNA LIFE INSURANCE COMPANY | 373 | $2.3M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 213 | $93K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 114 | $34K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 252 | $187K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 373 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.