| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PEGASUS FINANCIAL GROUP, INC.3 Filed as: PEGASUS FINANCIAL GROUP | 515 SO. FLOWER ST., STE. 3210 LOS ANGELES, CA 90071 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $64K | — | $64K | 6.41% |
| PEGASUS FINANCIAL GROUP, INC.3 Filed as: PEGASUS FINANCIAL GROUP | 515 SOUTH FLOWER STREET STE. 3210 LOS ANGELES, CA 90071 | CIGNA HEALTHCARE OF CALIFORNIA | $33K | — | $33K | 4.57% |
| PEGASUS FINANCIAL GROUP, INC.3 Filed as: PEGASUS FINANCIAL GROUP INC | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21K | $4K | $25K | 11.55% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 0.98% |
| PEGASUS FINANCIAL GROUP, INC.3 Filed as: PEGASUS CAPITAL & INSURANCE | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $718 | $5K | 14.48% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $253 | — | $253 | 0.80% |
| PEGASUS FINANCIAL GROUP, INC.3 Filed as: PEGASUS CAPITAL & INSURANCE | 515 SOUTH FLOWER STREET, SUITE 3210 LOS ANGELES, CA 90071 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $312 | $2K | 14.15% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP | 80 S. 8TH STREET MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $158 | — | $158 | 1.17% |
| PEGASUS FINANCIAL GROUP, INC.3 Filed as: PEGASUS CAPITAL & INSURANCE | 515 SOUTH FLOWER STREET, SUITE 3210 LOS ANGELES, CA 90071 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $241 | $1K | 14.11% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP | 80 S. 8TH STREET MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $124 | — | $124 | 1.18% |
| PEGASUS FINANCIAL GROUP, INC.3 Filed as: PEGASUS CAPITAL & INSURANCE | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $457 | $89 | $546 | 14.13% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $45 | — | $45 | 1.16% |
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 | 155 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 388 | $1.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 195 | $218K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 195 | $218K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 195 | $231K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 155 | $11K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 155 | $32K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 388 | $1.7M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 195 | $222K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 388 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.