| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAUL E GOTTLIEB3 | 7550 N PALM AVE. SUITE 202 FRESNO, CA 93711 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $17K | $0 | $17K | 11.59% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGCY & FIN SVS | 1000 BURNETT AVE SUITE 400 CONCORD, CA 94520 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | $0 | $7K | 4.63% |
| CIGNA3 Filed as: CIGNA HEALTH AND LIFE INSURANCE COM | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| PAUL E GOTTLIEB3 | 5260 N PALM AVE SUITE 215 FRESNO, CA 93704 | AMERICAN FIDELITY ASSURANCE COMPANY | $413 | $0 | $413 | 5.00% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P.O. BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| GOTTLIEB INSURANCE SERVICES3 | 9 RIVER PARK PLACE EAST SUITE 420 FRESNO, CA 93720 | PREMIER ACCESS INSURANCE COMPANY | $1K | $0 | $1K | 29.12% |
| PAUL E GOTTLIEB3 | 9 RIVER PARK PLACE EAST SUITE 420 FRESNO, CA 93720 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $533 | $0 | $533 | 15.01% |
| PAUL E GOTTLIEB3 | 5260 N PALM AVE SUITE 215 FRESNO, CA 93704 | AMERICAN FIDELITY ASSURANCE COMPANY | $33 | $0 | $33 | 1.59% |
| HEALTHY SOLUTIONS INSURANCE SERVICE3 | 55 INDEPENDENCE CIR #108 CHICO, CA 95973 | AMERICAN FIDELITY ASSURANCE COMPANY | $22 | $0 | $22 | 1.06% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P.O. BOX 25360 OAKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| PAUL E GOTTLIEB3 | 7550 N PALM AVE. SUITE 202 FRESNO, CA 93711 | AMERICAN FIDELITY ASSURANCE COMPANY | $42 | $0 | $42 | 2.22% |
| HEALTHY SOLUTIONS INSURANCE SERVICE3 | 55 INDEPENDENCE CIR #108 CHICO, CA 95973 | AMERICAN FIDELITY ASSURANCE COMPANY | -$9 | $0 | -$9 | -0.47% |
| PAUL E GOTTLIEB3 | 5260 N PALM AVE SUITE 215 FRESNO, CA 93704 | AMERICAN FIDELITY ASSURANCE COMPANY | $43 | $0 | $43 | 5.02% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P.O. BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| PAUL E GOTTLIEB3 | 9 RIVER PARK PLACE EAST SUITE 420 FRESNO, CA 93720 | CALIFORNIA PHYSICIANS' SERVICE | $0 | $0 | $0 | — |
| AMWINS3 Filed as: LISI, INC. | 1600 W HILLSDALE BLVD SAN MATEO, CA 94402 | CALIFORNIA PHYSICIANS' SERVICE | $0 | $0 | $0 | — |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P.O. BOX 25360 SUITE 420 OKLAHOMS CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $0 | $0 | — |
| PAUL E GOTTLIEB3 | 5260 N PALM AVE SUITE 215 FRESNO, CA 93704 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $0 | $0 | — |
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 | 110 | 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) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 40 | $143K |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 68 | $4K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 12 | $5K |
| Short-term disability(2 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 3 | $3K |
| Long-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 9 | $8K |
| Other | AMERICAN FIDELITY ASSURANCE COMPANY | 1 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 68 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.