| 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 | $78K | — | $78K | 5.00% |
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFIT ADMINISTRATORS, INC | 1528 SOUTH EL CAMINO REAL SUITE 407 SAN MATEO, CA 94402 | COMPANION LIFE INSURANCE COMPANY | $29K | — | $29K | 6.66% |
| FCE BENEFIT ADMINISTRATORS, INC.5 | 1528 S. EL CAMINO REAL, SUITE 307 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $13K | $13K | 12.90% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 S. EL CAMINO REAL, SUITE 307 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 10.00% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 SOUTH EL CAMINO REAL SUITE 407 SAN MATEO, CA 94402 | EYEMED | $1K | — | $1K | 2.50% |
| FCE BENEFIT ADMINISTRATORS, INC.5 | 1528 S. EL CAMINO REAL, SUITE 307 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 12.92% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 S. EL CAMINO REAL, SUITE 307 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| 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 Service code 13 | 1528 SOUTH EL CAMINO REAL SUITE 307 SAN MATEO, CA 94402 | $870K |
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 NONE | Other services Service code 49 | — | $95K |
| 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 | $58K |
| FIDUCIARY PLAN MANAGEMENT SERVICES EIN 46-3922133 NONE | Accounting (including auditing); Trustee (directed) Service code 10 | 1 ALMADEN BLVD SUITE 620 SAN JOSE, CA 951137193 | $49K |
| GLOBALCARE, INC. EIN 31-1407689 NONE | Other services Service code 49 | PO BOX 743856 ATLANTA, GA 30374 | $26K |
| INEICH & COMPANY, LLP EIN 56-2552172 NONE | Accounting (including auditing) Service code 10 | 950 TOWER LANE, SUITE 780 FOSTER CITY, CA 94404 | $19K |
| ALEGEUS TECHNOLOGIES, LLC NONE | Other services Service code 49 | 1601 TRAPELO RD WALTHAM, WA 02451 | $8K |
| MAGELLAN HEALTHCARE EIN 52-2135463 NONE | Other services Service code 49 | 14100 MAGELLAN PLAZA MARYLAND HEIGHTS, MO 63043 | $8K |
| PPO USA, INC. EIN 36-4722027 NONE | Other services Service code 49 | PO BOX 410503 KANSAS CITY, MO 641410503 | $6K |
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 | 671 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 671 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPANION LIFE INSURANCE COMPANY | 702 | $437K |
| Dental | COMPANION LIFE INSURANCE COMPANY | 702 | $437K |
| Vision | EYEMED | 702 | $59K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 639 | $100K |
| Short-term disability | COMPANION LIFE INSURANCE COMPANY | 702 | $437K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 525 | $1.6M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 639 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 702 | — |
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.