| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 S. EL CAMINO REAL. SUITE 407 SAN MATEO, CA 94402 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $68K | — | $68K | 10.00% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 S. EL CAMINO REAL. SUITE 407 SAN MATEO, CA 94402 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $6K | — | $6K | 7.31% |
| FCE BENEFIT ADMINISTRATORS, INC.5 Filed as: FCE BENEFIT ADMINISTRATIOR, INC. | 1528 S. EL CAMINO REAL. SUITE 407 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $6K | $6K | 13.95% |
| FCE BENEFIT ADMINISTRATORS, INC.3 Filed as: FCE BENEFIT ADMINISTRATIOR, INC. | 1528 S. EL CAMINO REAL. SUITE 407 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 4615 WALZEM ROAD SUITE 300 SAN ANTONIO, TX 78218 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 9.03% |
| FCE BENEFIT ADMINISTRATORS, INC.5 | 1528 S. EL CAMINO REAL. SUITE 407 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 13.97% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 S. EL CAMINO REAL. SUITE 407 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $728 | — | $728 | 10.00% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 1528 S. EL CAMINO REAL. SUITE 407 SAN MATEO, CA 94402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $913 | — | $913 | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FCE BENEFIT ADMINISTRATORS, INC. EIN 33-0330036 NONE | Participant communication; Claims processing; Contract Administrator; Other insurance fees and expenses; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $439K |
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 NONE | Other services Service code 49 | — | $45K |
| FIDUCIARY PLAN MANAGEMENT SERVICES EIN 46-3922133 NONE | Trustee (directed); Accounting (including auditing) Service code 10 | — | $39K |
| INEICH & COMPANY, LLP EIN 56-2552172 NONE | Accounting (including auditing) Service code 10 | — | $29K |
| UNITED WORKERS WELLNESS EIN 87-2575833 NONE | Other services Service code 49 | — | $22K |
| GLOBALCARE, INC. EIN 31-1407689 NONE | Other services Service code 49 | — | $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 | 323 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 323 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 42 | $104K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 412 | $19K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 310 | $46K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 20 | $6K |
| Prescription drug | FIDELITY SECURITY LIFE INSURANCE COMPANY | 42 | $87K |
| Stop-loss / reinsurancereinsurance | FIDELITY SECURITY LIFE INSURANCE COMPANY | 206 | $677K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 310 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 412 | — |
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.