Form 5500 · Employee benefit plan · SAN MATEO, CA

THE BOWEN CONSULTING GROUP, INC.

Name: THE BOWEN CONSULTING GROUP, INC. — Form 5500 benefit plan
Creator: Form5500Lookup
License: https://www.usa.gov/government-works

The filing calls this plan THE BOWEN CONSULTING GROUP, INC. HEALTH AND WELFARE PLAN.

THE BOWEN CONSULTING GROUP, INC. of SAN MATEO, CA insures health, vision, life and stop-loss coverage for its employees, per Schedule A of its Form 5500. Its broker of record is FCE BENEFIT ADMINISTRATORS, INC.. Coverage is written through FIDELITY SECURITY LIFE INSURANCE COMPANY and 1 other carrier. The plan's most recent policy period ended in December.

Benefits broker of record

FCE BENEFIT ADMINISTRATORS, INC.

Insurance carrier

FIDELITY SECURITY LIFE INSURANCE COMPANY

Policy year ends

Decemberas filed for plan year 2025

Sourced from U.S. DOL EFAST2 Form 5500 · EIN 20-4032003 · plan 501 · plan year 2025, filed Sep 15, 2026

Get an email when this employer files a new Form 5500, and again about four months before its plan renews.

5,257 other employer plans in California have policy years ending in December. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.

How this plan is funded

Both, as reported

The medical insurance contracts on the filing cover fewer than half the people in the plan, so the rest is paid another way.

A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.

All participants at the start of the year

253

Active at start of year

253

Active at end of year

274

Disclosed commissions

$82,328

Typical renewal

January 1

Benefits declared on this filing

Healthinsured — FIDELITY SECURITY LIFE INSURANCE COMPANY6 of 253 participants (2.4%)

Dentaldeclared, no contract here says it covers this

Visioninsured — FIDELITY SECURITY LIFE INSURANCE COMPANY290 of 253 participants

Lifeinsured — RELIANCE STANDARD LIFE INSURANCE COMPANY247 of 253 participants (98%)

Disabilitydeclared, no contract here says it covers this

Health: FIDELITY SECURITY LIFE INSURANCE COMPANY covers 6 of 253 participants (2.4%) on Schedule A.

One contract on this filing does not say which benefits it covers, so a line above may be insured by it.

Also declared: death benefits.

Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.

Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.

Plan brief

Schedule A lists 5 insured contracts covering health, vision, life and stop-loss; the largest, with FIDELITY SECURITY LIFE INSURANCE COMPANY, covers 244 people.

The filing declares health, vision, life, dental and disability. Dental and disability appear with no insured contract on Schedule A. That coverage may be self-funded, placed with a carrier that is not on this filing, or written on the contract here that does not say what it covers.

The medical plan carries stop-loss coverage: the filing reports the plan paying its own health claims, with insured protection against large ones.

Reported premium across the insured contracts is $849,657, with $82,328 in disclosed broker commissions — about 9.7% of premium.

The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.

Schedule A insurance contracts

Carrier	Benefits	Covered	Renews	Premium	Commission
FIDELITY SECURITY LIFE INSURANCE COMPANY	Stop-loss	244	Jan 1, 2026	$785,812	$76,449
RELIANCE STANDARD LIFE INSURANCE COMPANY	Life	247	Jan 1, 2026	$27,861	$3,065
FIDELITY SECURITY LIFE INSURANCE COMPANY	Vision	290	Jan 1, 2026	$14,252	$1,407
FIDELITY SECURITY LIFE INSURANCE COMPANY	Health	6	Jan 1, 2026	$16,979	$884
RELIANCE STANDARD LIFE INSURANCE COMPANY	—	247	Jan 1, 2026	$4,753	$523

Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.

See the filing at the Department of Labor

Administrator and service providers

FCE BENEFIT ADMINISTRATORS, INC.

Claims processing · Contract administrator · Recordkeeping and information management · EIN 33-0330036

$299,677

paid directly by the plan

CIGNA HEALTH AND LIFE INSURANCE COM

Named on Schedule C · EIN 59-1031071

$45,120

paid directly by the plan

FCE BENEFIT ADMINISTRATORS, INC.

Contract administrator · EIN 33-0330036

$42,008

paid directly by the plan

FIDUCIARY PLAN MANAGEMENT SERVICES

Accounting and audit · Investment advisory · EIN 46-3922133

$35,926

paid directly by the plan

INEICH & COMPANY, LLP

Accounting and audit · EIN 56-2552172

$22,500

paid directly by the plan

UNITED WORKERS WELLNESS

Named on Schedule C · EIN 87-2575833

$9,337

paid directly by the plan

BUSINESS BENEFTIS GROUP

Named on Schedule C · EIN 54-1769053

$5,844

paid directly by the plan

Named on Schedule C of this filing. We publish company names only.

Money the plan held and paid out

Plan assets at year end

$765,371

Paid out in benefits

$1,802,001

Paid to insurance carriersSchedule H, line 2e(2)

$927,016

Independent accountantEIN 56-2552172

INEICH & COMPANY, LLP

Accountant's opinion (Schedule H, line 3a)

Unmodified

Audit fee

$22,500

Sourced from U.S. DOL EFAST2 Form 5500 · Schedule H

These are the plan's own figures from Schedule H, the financial statement it files. They are not the premium on Schedule A.

Other plans filed by this employer

Welfare Benefit PlanInsured benefit plan · 2 Schedule A contractsRenews ~Jan 1 401(K) PlanRetirement plan · 1 Schedule A contract

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