| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FCE BENEFIT ADMINISTRATORS, INC.5 | 1528 SOUTH EL CAMINO REAL, STE 307 SAN MATEO, CA 94402 | COMPANION LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| GCG FINANCIAL LLC Filed as: WILSON ALBERS AN ALERA GROUP AGENCY | 3000 A STREET STE 400 ANCHORAGE, AK 99503 | PREMERA BLUE CROSS BLUE SHIELD OF ALASKA, INC. | $2K | — | $2K | 4.12% |
| MARSH & MCLENNAN AGENCY LLC | 1031 W 4GH AVE., STE 400 ANCHORAGE, AK 99501 | PREMERA BLUE CROSS BLUE SHIELD OF ALASKA, INC. | $365 | — | $365 | 0.88% |
| FCE BENEFIT ADMINISTRATORS, INC.3 | 887 MITTEN ROAD, STE 200 BURLLINGAME, CA 94010 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $270 | $302 | $572 | 23.30% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FCE BENEFIT ADMINISTRATOR EIN 33-0330036 | Claims processing; Contract Administrator; Participant communication; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 1528 S EL CAMINO REAL SAN MATEO, CA 94402 | $77K |
| BROADREACH MEDICAL RESOURCES EIN 20-0640082 | Claims processing Service code 12 | 1350 BROADWAY, SUITE 410 NEW YORK, NY 10018 | $36K |
| TRUST MANAGEMENT SERVICES, INC EIN 46-3922133 | Trustee (bank, trust company, or similar financial institution) Service code 21 | 1 ALMADEN BLVD., STE 950 SAN JOSE, CA 95113 | $13K |
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 | 104 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 107 | $350K |
| Dental(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 107 | $350K |
| Vision | COMPANION LIFE INSURANCE COMPANY | 107 | $309K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 111 | $2K |
| Short-term disability(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 111 | $311K |
| Prescription drug | PREMERA BLUE CROSS BLUE SHIELD OF ALASKA, INC. | 0 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 111 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.