| 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 | SIRIUS AMERICA INSURANCE COMPANY | $77K | — | $77K | 5.00% |
| FCE BENEFIT ADMINISTRATORS, INC.5 | 1528 S. EL CAMINO REAL, SUITE 307 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $12K | $12K | 12.81% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 S. EL CAMINO REAL, SUITE 307 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 9.99% |
| FCE BENEFIT ADMINISTRATORS, INC.5 | 1528 S. EL CAMINO REAL, SUITE 307 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 12.78% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 S. EL CAMINO REAL, SUITE 307 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 9.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FCE BENEFIT ADMINISTRATORS, INC. EIN 33-0330036 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other insurance fees and expenses; Claims processing Service code 12 | 1528 SOUTH EL CAMINO REAL SUITE 307 SAN MATEO, CA 94402 | $1.0M |
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 NONE | Other services Service code 49 | — | $81K |
| FIDUCIARY PLAN MANAGEMENT SERVICES EIN 46-3922133 NONE | Trustee (directed); Accounting (including auditing) Service code 10 | 1 ALMADEN BLVD SUITE 950 SAN JOSE, CA 951137193 | $54K |
| FCE FINANCIAL SERVICES INC. EIN 80-0636312 NONE | Participant communication; Claims processing Service code 12 | 1528 SOUTH EL CAMINO REAL SUITE 307 SAN MATEO, CA 94402 | $44K |
| GLOBALCARE, INC. EIN 65-0684814 NONE | Other services Service code 49 | PO BOX 743856 ATLANTA, GA 30374 | $37K |
| INEICH & COMPANY, LLP EIN 56-2552172 NONE | Accounting (including auditing) Service code 10 | 950 TOWER LANE, SUITE 780 FOSTER CITY, CA 94404 | $18K |
| ALEGEUS TECHNOLOGIES, LLC NONE | Other services Service code 49 | 1601 TRAPELO RD WALTHAM, MA 02451 | $9K |
| MAGELLAN HEALTHCARE EIN 52-2135463 NONE | Other services Service code 49 | 14100 MAGELLAN PLAZA MARYLAND HEIGHTS, MO 63043 | $8K |
| CONNECTION DENTAL NONE | Other services Service code 49 | PO BOX 6707 LEES SUMMIT, MO 64064 | $5K |
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 | 620 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 620 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPANION LIFE INSURANCE COMPANY | 35 | $464K |
| Dental | COMPANION LIFE INSURANCE COMPANY | 35 | $464K |
| Vision | COMPANION LIFE INSURANCE COMPANY | 35 | $464K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 605 | $96K |
| Short-term disability | COMPANION LIFE INSURANCE COMPANY | 35 | $464K |
| Stop-loss / reinsurancereinsurance | SIRIUS AMERICA INSURANCE COMPANY | 526 | $1.5M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 605 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 605 | — |
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.