| 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 | $170K | — | $170K | 3.72% |
| PG INSURANCE SERVICES INC.3 | 20875 AVENIDA CASTILLA MURRIETA, CA 92562 | AETNA LIFE INSURANCE COMPANY | $58K | — | $58K | 1.26% |
| PG INSURANCE SERVICES INC.3 | 23232 PERALTA DRIVE LAGUNA HILLS, CA 92653 | AETNA HEALTH, INC. | $88K | — | $88K | 3.70% |
| PG INSURANCE SERVICES INC.3 | 20875 AVENIDA CASTILLA MURRIETA, CA 92562 | AETNA HEALTH, INC. | $30K | — | $30K | 1.25% |
| PG INSURANCE SERVICES INC.3 | 20875 AVENIDA CASTILLA MURRIETA, CA 92562 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $33K | — | $33K | 7.93% |
| PAUL GAARENSTROOM3 | 23232 PERALTA DRIVE, SUITE 209 LAGUNA HILLS, CA 92653 | VISION SERVICE PLAN | $15K | — | $15K | 10.48% |
| PG INSURANCE SERVICES INC.3 | 23232 PERALTA DRIVE, SUITE 209 LAGUNA HILLS, CA 92653 | STANDARD INSURANCE COMPANY | $5K | $540 | $5K | 7.18% |
| PG INSURANCE SERVICES INC.3 | 23232 PERALTA DRIVE, SUITE 209 LAGUNA HILLS, CA 92653 | STANDARD INSURANCE COMPANY | $5K | $520 | $6K | 8.38% |
| PG INSURANCE SERVICES INC.3 | 23232 PERALTA DRIVE, SUITE 209 LAGUNA HILLS, CA 92653 | STANDARD INSURANCE COMPANY | $4K | $370 | $5K | 10.84% |
| PG INSURANCE SERVICES INC.3 | 23232 PERALTA DRIVE, SUITE 209 LAGUNA HILLS, CA 92653 | STANDARD INSURANCE COMPANY | $3K | $288 | $3K | 7.31% |
| PG INSURANCE SERVICES INC.3 | 23232 PERALTA DRIVE, SUITE 209 LAGUNA HILLS, CA 92653 | STANDARD INSURANCE COMPANY | $2K | $254 | $2K | 5.70% |
| PG INSURANCE SERVICES INC.3 | 23232 PERALTA DRIVE, SUITE 209 LAGUNA HILLS, CA 92653 | STANDARD INSURANCE COMPANY | $2K | $232 | $2K | 8.22% |
| PG INSURANCE SERVICES INC.3 | 23232 PERALTA DRIVE, SUITE 209 LAGUNA HILLS, CA 92653 | STANDARD INSURANCE COMPANY | $2K | $233 | $2K | 8.39% |
| PG INSURANCE SERVICES INC.3 | 23232 PERALTA DRIVE, SUITE 209 LAGUNA HILLS, CA 92653 | STANDARD INSURANCE COMPANY | $918 | $149 | $1K | 5.81% |
| PG INSURANCE SERVICES INC.3 | 23232 PERALTA DRIVE, SUITE 209 LAGUNA HILLS, CA 92653 | STANDARD INSURANCE COMPANY | $881 | $135 | $1K | 5.77% |
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 | 503 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 523 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 478 | $6.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 491 | $413K |
| Vision | VISION SERVICE PLAN | 482 | $143K |
| Life insurance(3 contracts) | STANDARD INSURANCE COMPANY | 244 | $72K |
| Short-term disability(3 contracts) | STANDARD INSURANCE COMPANY | 244 | $97K |
| Long-term disability(3 contracts) | STANDARD INSURANCE COMPANY | 244 | $188K |
| Other(3 contracts) | STANDARD INSURANCE COMPANY | 244 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 491 | — |
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.