| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PEGASUS FINANCIAL GROUP, INC.3 Filed as: PEGASUS FINANCIAL GROUP | SOUTH FLOWER ST. STE. 3210 LOS ANGELES, CA 90071 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $135K | — | $135K | 5.00% |
| PEGASUS FINANCIAL GROUP, INC.3 | 515 S. FLOWER STREET SUITE 3210 32ND FLOOR LOS ANGELES, CA 90071 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $30K | $3K | $33K | 15.45% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 18201 VON KARMAN AVENUE SUITE 1020 IRVINE, CA 92612 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$3 | — | -$3 | -0.00% |
| PEGASUS FINANCIAL GROUP, INC.3 Filed as: PEGASUS FINANCIAL GROUP, INC | 515 S. FLOWER ST. STE 3210 LOS ANGELES, CA 90071 | AMERITAS LIFE INSURANCE CORP | $5K | — | $5K | 10.00% |
| PEGASUS FINANCIAL GROUP, INC.3 Filed as: PEGASUS FINANCIAL GROUP INC | 515 S. FLOWER ST. SUITE 3210 32ND FLOOR LOS ANGELES, CA 90071 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22K | — | $22K | 68.90% |
| PEGASUS FINANCIAL GROUP, INC.3 | 515 SOUTH FLOWER ST. STE. 2310 LOS ANGELES, CA 90071 | ARAG INSURANCE COMPANY | $930 | — | $930 | 10.00% |
| PEGASUS FINANCIAL GROUP, INC.3 | 515 SOUTH FLOWER ST. STE. 2310 LOS ANGELES, CA 90071 | ARAG INSURANCE COMPANY | $235 | — | $235 | 10.00% |
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 | 172 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 172 | $2.7M |
| Dental(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 198 | $246K |
| Vision | AMERITAS LIFE INSURANCE CORP | 194 | $53K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 152 | $215K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 152 | $215K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 152 | $215K |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 152 | $226K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.