| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAUL E GOTTLIEB3 Filed as: PAUL EWRIN GOTTLIEB | 7550 N PALM AVE. SUITE 202 FRESNO, CA 93711 | UNITED HEALTHCARE | $35K | $0 | $35K | 5.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE CALIFORNIA | 6200 CANOGA AVE SUITE 300 WOODLAND HILLS, CA 91367 | UNITED HEALTHCARE | $0 | $12K | $12K | 1.72% |
| GOTTLIEB INSURANCE SERVICES3 | 7550 N PALM AVE SUITE 202 FRESNO, CA 93711 | PREMIER ACCESS INSURANCE COMPANY | $934 | $0 | $934 | 12.72% |
| PAUL E GOTTLIEB3 | 9 RIVER PARK PLACE EAST SUITE 420 FRESNO, CA 93720 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $853 | $0 | $853 | 15.00% |
| PAUL E GOTTLIEB3 | 7550 N PALM AVE SUITE 202 FRESNO, CA 93711 | RELIANCE STANDARD LIFE INSURANCE | $1K | $0 | $1K | 20.00% |
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 | 144 | 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) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE | 72 | $695K |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 86 | $7K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 35 | $6K |
| Other | RELIANCE STANDARD LIFE INSURANCE | 28 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 86 | — |
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.