| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PG INSURANCE SERVICES INC.3 | 23232 PERALTA DRIVE, SUITE 209 LAGUNA HILLS, CA 92653 | AETNA LIFE INSURANCE COMPANY | $112K | — | $112K | 5.29% |
| PG INSURANCE SERVICES INC.3 | 23232 PERALTA DRIVE, SUITE 209 LAGUNA HILLS, CA 92653 | AETNA HEALTH, INC. | $111K | — | $111K | 6.17% |
| PG INSURANCE SERVICES INC.3 | 23232 PERALTA DRIVE, SUITE 209 LAGUNA HILLS, CA 92653 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $19K | — | $19K | 13.62% |
| PG INSURANCE SERVICES INC.3 | 23232 PERALTA DRIVE, SUITE 209 LAGUNA HILLS, CA 92653 | VISION SERVICE PLAN | $9K | — | $9K | 10.00% |
| PG INSURANCE SERVICES INC.3 | 23232 PERALTA DRIVE, SUITE 209 LAGUNA HILLS, CA 92653 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 9.02% |
| PG INSURANCE SERVICES INC.3 | 23232 PERALTA DRIVE, SUITE 209 LAGUNA HILLS, CA 92653 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 10.08% |
| PG INSURANCE SERVICES INC.3 | 23232 PERALTA DRIVE, SUITE 209 LAGUNA HILLS, CA 92653 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 7.43% |
| PG INSURANCE SERVICES INC.3 | 23232 PERALTA DRIVE, SUITE 209 LAGUNA HILLS, CA 92653 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 8.21% |
| PG INSURANCE SERVICES INC.3 | 23232 PERALTA DRIVE, SUITE 209 LAGUNA HILLS, CA 92653 | STANDARD INSURANCE COMPANY | $998 | — | $998 | 15.00% |
| PG INSURANCE SERVICES INC.3 | 23232 PERALTA DRIVE, SUITE 209 LAGUNA HILLS, CA 92653 | STANDARD INSURANCE COMPANY | $454 | — | $454 | 12.81% |
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 | 294 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 292 | $3.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 302 | $143K |
| Vision | VISION SERVICE PLAN | 284 | $90K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 292 | $2.1M |
| Short-term disability(3 contracts) | STANDARD INSURANCE COMPANY | 136 | $55K |
| Long-term disability(3 contracts) | STANDARD INSURANCE COMPANY | 136 | $110K |
| Other | AETNA LIFE INSURANCE COMPANY | 292 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 302 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.