| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAUL E GOTTLIEB3 Filed as: PAUL ERWIN GOTTLIEB | 5260 N PALM AVE SUITE 215 FRESNO, CA 93704 | SYMETRA LIFE INSURANCE COMPANY | $242K | $83K | $325K | 13.45% |
| UNITED SECURITY BANK3 | 5260 N. PALM AVE., SUITE 215 FRESNO, CA 93704 | SYMETRA LIFE INSURANCE COMPANY | $42K | $0 | $42K | 15.01% |
| PAUL E GOTTLIEB3 Filed as: PAUL ERWIN GOTTLIEB | 9 RIVER PARK PLACE WEST SUITE 420 FRESNO, CA 93720 | SYMETRA LIFE INSURANCE COMPANY | $0 | $10K | $10K | 3.43% |
| UNITED SECURITY BANK3 | 5260 N PALM AVE #215 FRESNO, CA 93704 | AMERICAN FIDELITY ASSURANCE COMPANY | $7K | $0 | $7K | 9.49% |
| INSURICA, INC.3 Filed as: INSURICA CA INS. SERVICES INC. | 8500 STOCKDALE HWY #200 BAKERSFIELD, CA 93311 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | $0 | $2K | 2.90% |
| TAWNY M BRADY3 | 1508 WAKEHURST CT BAKERSFIELD, CA 93311 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | $0 | $2K | 2.58% |
| UNITED SECURITY BANK3 | 855 M STREET #1120 FRESNO, CA 93721 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $9K | $0 | $9K | 13.16% |
| CORNERSTONE FINANCIAL LLP3 Filed as: CORNERSTONE FINANCIAL GROUP | 5260 N PALM AVE. SUITE 215 FRESNO, CA 93704 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $3K | $0 | $3K | 4.19% |
| CORNERSTONE FINANCIAL LLP3 Filed as: CORNERSTONE FINANCIAL GROUP | 5260 N PALM AVENUE SUITE 215 FRESNO, CA 93704 | PREMIER ACCESS INSURANCE COMPANY | $11K | $0 | $11K | 24.51% |
| UNITED SECURITY BANK3 | AKA INYO INSURANCE AGENCY 5260 N PALM AVE., SUITE 215 FRESNO, CA 93704 | PREMIER ACCESS INSURANCE COMPANY | $7K | $0 | $7K | 16.53% |
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 | 718 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 720 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PREMIER ACCESS INSURANCE COMPANY | 1,647 | $45K |
| Life insurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 817 | $72K |
| Short-term disability(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 817 | $354K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 817 | $278K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 673 | $2.4M |
| Other(2 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 817 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,647 | — |
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.