| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PG INSURANCE SERVICES INC.3 | 23232 PERALTA DRIVE LAGUNA HILLS, CA 92653 | AETNA LIFE INSURANCE COMPANY | $150K | — | $150K | 4.59% |
| PG INSURANCE SERVICES INC.3 | 23232 PERALTA DRIVE LAGUNA HILLS, CA 92653 | AETNA HEALTH, INC. | $97K | — | $97K | 4.39% |
| PG INSURANCE SERVICES INC.3 | 23232 PERALTA DRIVE, SUITE 209 LAGUNA HILLS, CA 92653 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $26K | $2K | $29K | 8.59% |
| PG INSURANCE SERVICES INC.3 | 23232 PERALTA DRIVE, SUITE 209 LAGUNA HILLS, CA 92653 | VISION SERVICE PLAN | $8K | — | $8K | 7.36% |
| PG INSURANCE SERVICES INC.3 | 23232 PERALTA DRIVE, SUITE 209 LAGUNA HILLS, CA 92653 | STANDARD INSURANCE COMPANY | $4K | $467 | $5K | 7.73% |
| PG INSURANCE SERVICES INC.3 | 23232 PERALTA DRIVE, SUITE 209 LAGUNA HILLS, CA 92653 | STANDARD INSURANCE COMPANY | $4K | $365 | $5K | 10.30% |
| PG INSURANCE SERVICES INC.3 | 23232 PERALTA DRIVE, SUITE 209 LAGUNA HILLS, CA 92653 | STANDARD INSURANCE COMPANY | $4K | $289 | $4K | 10.33% |
| PG INSURANCE SERVICES INC.3 | 23232 PERALTA DRIVE, SUITE 209 LAGUNA HILLS, CA 92653 | STANDARD INSURANCE COMPANY | $2K | $222 | $2K | 7.71% |
| PG INSURANCE SERVICES INC.3 | 23232 PERALTA DRIVE, SUITE 209 LAGUNA HILLS, CA 92653 | STANDARD INSURANCE COMPANY | $2K | $191 | $2K | 8.41% |
| PG INSURANCE SERVICES INC.3 | 23232 PERALTA DRIVE, SUITE 209 LAGUNA HILLS, CA 92653 | STANDARD INSURANCE COMPANY | $2K | $173 | $2K | 8.50% |
| PG INSURANCE SERVICES INC.3 | 23232 PERALTA DRIVE, SUITE 209 LAGUNA HILLS, CA 92653 | STANDARD INSURANCE COMPANY | $911 | $154 | $1K | 5.42% |
| PG INSURANCE SERVICES INC.3 | 23232 PERALTA DRIVE, SUITE 209 LAGUNA HILLS, CA 92653 | STANDARD INSURANCE COMPANY | $779 | $130 | $909 | 5.35% |
| PG INSURANCE SERVICES INC.3 | 23232 PERALTA DRIVE, SUITE 209 LAGUNA HILLS, CA 92653 | STANDARD INSURANCE COMPANY | $693 | $120 | $813 | 5.36% |
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 | 368 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 41 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 409 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 355 | $5.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 387 | $334K |
| Vision | VISION SERVICE PLAN | 360 | $110K |
| Life insurance(3 contracts) | STANDARD INSURANCE COMPANY | 134 | $52K |
| Short-term disability(3 contracts) | STANDARD INSURANCE COMPANY | 134 | $77K |
| Long-term disability(3 contracts) | STANDARD INSURANCE COMPANY | 134 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 387 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.