| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAUL E GOTTLIEB3 | 9 RIVER PARK PLACE EAST SUITE 420 FRESNO, CA 93720 | CALIFORNIA PHYSICIANS' SERVICE | $27K | $0 | $27K | 5.00% |
| AMWINS3 Filed as: LISI, INC. | 1600 W HILLSDALE BLVD SAN MATEO, CA 94402 | CALIFORNIA PHYSICIANS' SERVICE | $6K | $0 | $6K | 1.05% |
| PAUL E GOTTLIEB3 | 5260 N PALM AVE SUITE 215 FRESNO, CA 93704 | AMERICAN FIDELITY ASSURANCE COMPANY | $912 | $0 | $912 | 5.01% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P.O. BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $347 | $0 | $347 | 1.91% |
| HEALTHY SOLUTIONS INSURANCE SERVICE3 | 55 INDEPENDENCE CIR #108 CHICO, CA 95973 | AMERICAN FIDELITY ASSURANCE COMPANY | $84 | $0 | $84 | 1.68% |
| PAUL E GOTTLIEB3 | 5260 N PALM AVE SUITE 215 FRESNO, CA 93704 | AMERICAN FIDELITY ASSURANCE COMPANY | $67 | $0 | $67 | 1.34% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P.O. BOX 25360 OAKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $54 | $0 | $54 | 1.08% |
| GOTTLIEB INSURANCE SERVICES3 | 9 RIVER PARK PLACE EAST SUITE 420 FRESNO, CA 93720 | PREMIER ACCESS INSURANCE COMPANY | $1K | $0 | $1K | 31.28% |
| HEALTHY SOLUTIONS INSURANCE SERVICE3 | 55 INDEPENDENCE CIR #108 CHICO, CA 95973 | AMERICAN FIDELITY ASSURANCE COMPANY | $59 | $0 | $59 | 1.51% |
| PAUL E GOTTLIEB3 | 5260 N PALM AVE SUITE 215 FRESNO, CA 93704 | AMERICAN FIDELITY ASSURANCE COMPANY | $55 | $0 | $55 | 1.41% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P.O. BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $10 | $0 | $10 | 0.26% |
| PAUL E GOTTLIEB3 | 9 RIVER PARK PLACE EAST SUITE 420 FRESNO, CA 93720 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $384 | $0 | $384 | 15.02% |
| PAUL E GOTTLIEB3 | 5260 N PALM AVE SUITE 215 FRESNO, CA 93704 | AMERICAN FIDELITY ASSURANCE COMPANY | $74 | $0 | $74 | 4.92% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P.O. BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | -$226 | $0 | -$226 | -15.04% |
| PAUL E GOTTLIEB3 | 5260 N PALM AVE SUITE 215 FRESNO, CA 93704 | AMERICAN FIDELITY ASSURANCE COMPANY | $10 | $0 | $10 | 2.05% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P.O. BOX 25360 SUITE 420 OKLAHOMS CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | -$54 | $0 | -$54 | -11.09% |
No Schedule C service providers reported on this filing.
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 | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 47 | $544K |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 73 | $5K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 9 | $6K |
| Short-term disability(2 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 14 | $7K |
| Long-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 26 | $18K |
| Other | AMERICAN FIDELITY ASSURANCE COMPANY | 7 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 73 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.