| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PG INSURANCE SERVICES INC.3 | 20875 AVENIDA CASTILLA MURRIETA, CA 92562 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $408K | — | $408K | 4.67% |
| PAUL GAARENSTROOM3 | 23232 PERALTA DRIVE, SUITE 209 LAGUNA HILLS, CA 92653 | VISION SERVICE PLAN | $12K | — | $12K | 10.01% |
| PG INSURANCE SERVICES INC.3 | 23232 PERALTA DRIVE, SUITE 209 LAGUNA HILLS, CA 92653 | STANDARD INSURANCE COMPANY | $5K | $558 | $6K | 6.89% |
| PG INSURANCE SERVICES INC.3 | 23232 PERALTA DRIVE, SUITE 209 LAGUNA HILLS, CA 92653 | STANDARD INSURANCE COMPANY | $6K | $488 | $6K | 7.59% |
| PG INSURANCE SERVICES INC.3 | 23232 PERALTA DRIVE, SUITE 209 LAGUNA HILLS, CA 92653 | STANDARD INSURANCE COMPANY | $3K | $296 | $3K | 7.45% |
| PG INSURANCE SERVICES INC.3 | 23232 PERALTA DRIVE, SUITE 209 LAGUNA HILLS, CA 92653 | STANDARD INSURANCE COMPANY | $5K | $249 | $5K | 12.80% |
| PG INSURANCE SERVICES INC.3 | 23232 PERALTA DRIVE, SUITE 209 LAGUNA HILLS, CA 92653 | STANDARD INSURANCE COMPANY | $3K | $223 | $3K | 8.22% |
| PG INSURANCE SERVICES INC.3 | 23232 PERALTA DRIVE, SUITE 209 LAGUNA HILLS, CA 92653 | STANDARD INSURANCE COMPANY | $2K | $246 | $2K | 6.07% |
| PG INSURANCE SERVICES INC.3 | 23232 PERALTA DRIVE, SUITE 209 LAGUNA HILLS, CA 92653 | STANDARD INSURANCE COMPANY | $2K | $155 | $2K | 9.80% |
| PG INSURANCE SERVICES INC.3 | 23232 PERALTA DRIVE, SUITE 209 LAGUNA HILLS, CA 92653 | STANDARD INSURANCE COMPANY | $1K | $122 | $1K | 6.03% |
| PG INSURANCE SERVICES INC.3 | 23232 PERALTA DRIVE, SUITE 209 LAGUNA HILLS, CA 92653 | STANDARD INSURANCE COMPANY | $888 | $103 | $991 | 5.98% |
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 | 494 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 522 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 484 | $8.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 484 | $8.7M |
| Vision | VISION SERVICE PLAN | 478 | $121K |
| Life insurance(3 contracts) | STANDARD INSURANCE COMPANY | 246 | $73K |
| Short-term disability(3 contracts) | STANDARD INSURANCE COMPANY | 246 | $106K |
| Long-term disability(3 contracts) | STANDARD INSURANCE COMPANY | 246 | $201K |
| Other(3 contracts) | STANDARD INSURANCE COMPANY | 246 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 484 | — |
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."
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.