| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 SOUTH EL CAMINO REAL SUITE 407 SAN MATEO, CA 94402 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $44K | — | $44K | 4.47% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 SOUTH EL CAMINO REAL SUITE 407 SAN MATEO, CA 94402 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $8K | — | $8K | 6.82% |
| FCE BENEFIT ADMINISTRATORS, INC.5 | 1528 SOUTH EL CAMINO REAL SUITE 407 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $10K | $10K | 14.43% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 SOUTH EL CAMINO REAL SUITE 407 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 4615 WALZEM ROAD SUITE 300 SAN ANTONIO, TX 78218 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $976 | — | $976 | 2.92% |
| FCE BENEFIT ADMINISTRATORS, INC.5 Filed as: FCE BENEFIT ADMINISTRATORS, INC | 1528 SOUTH EL CAMINO REAL SUITE 407 SAN MATEO, CA 94402 | FIDELITY SECURITY LIFE INSURANCE COMPANY | — | $4K | $4K | 21.67% |
| FORREST T JONES AND COMPANY, INC5 Filed as: FORREST T. JONES | 3130 BROADWAY KANSAS CITY, MO 641112406 | FIDELITY SECURITY LIFE INSURANCE COMPANY | — | $2K | $2K | 10.83% |
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFIT ADMINISTRATORS, INC | 1528 SOUTH EL CAMINO REAL SUITE 407 SAN MATEO, CA 94402 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| FCE BENEFIT ADMINISTRATORS, INC.5 | 1528 SOUTH EL CAMINO REAL SUITE 407 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 14.44% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 SOUTH EL CAMINO REAL SUITE 407 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FCE BENEFIT ADMINISTRATORS, INC. EIN 33-0330036 NONE | Other insurance fees and expenses; Contract Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 1528 SOUTH EL CAMINO REAL SUITE 407 SAN MATEO, CA 94402 | $707K |
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 NONE | Other services Service code 49 | PO BOX 645014 CINCINNATI, OH 45264 | $82K |
| FIDUCIARY PLAN MANAGEMENT SERVICES EIN 46-3922133 NONE | Accounting (including auditing); Trustee (directed) Service code 10 | 1 S. ALMADEN BLVD SUITE 750 SAN JOSE, CA 95113 | $37K |
| INEICH & COMPANY, LLP EIN 56-2552172 NONE | Accounting (including auditing) Service code 10 | 950 TOWER LANE SUITE 780 FOSTER CITY, CA 94404 | $28K |
| GLOBALCARE, INC. EIN 31-1407689 NONE | Other services Service code 49 | PO BOX 743856 ATLANTA, GA 303743856 | $22K |
| FCE FINANCIAL SERVICES, INC. EIN 80-0636312 NONE | Claims processing; Participant communication Service code 12 | 1528 SOUTH EL CAMINO REAL SUITE 407 SAN MATEO, CA 94402 | $9K |
| UNITED WORKERS WELLNESS EIN 87-2575833 NONE | Other services Service code 49 | — | $8K |
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 | 319 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 319 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 504 | $141K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 442 | $33K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 539 | $68K |
| Prescription drug | FIDELITY SECURITY LIFE INSURANCE COMPANY | 4 | $20K |
| Stop-loss / reinsurancereinsurance | FIDELITY SECURITY LIFE INSURANCE COMPANY | 227 | $979K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 539 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 539 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.