| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PEGASUS FINANCIAL GROUP, INC.3 Filed as: PEGASUS FINANCIAL GROUP | 515 SOUTH FLOWER STREET SUITE 3210 LOS ANGELES, CA 90071 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $68K | — | $68K | 3.30% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 4TH FLOOR BOSTON, MA 02110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $35K | — | $35K | 1.70% |
| PEGASUS FINANCIAL GROUP, INC.3 | 515 S FLOWER STREET SUITE 3210 32ND FLOOR LOS ANGELES, CA 90071 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $6K | $18K | 17.44% |
| RSC INSURANCE BROKERAGE INC3 | 333 W WACKER DR SUITE 1950 CHICAGO, IL 60606 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 3.37% |
| PEGASUS FINANCIAL GROUP, INC.3 Filed as: PEGASUS CAPITAL & INS SERVICES INC | 515 S FLOWER ST SUITE 3210 LOS ANGELES, CA 90071 | AMERITAS LIFE INSURANCE CORP. | $3K | — | $3K | 9.11% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE INC | 801 N BRAND BLVD SUITE 650 GLENDALE, CA 91203 | AMERITAS LIFE INSURANCE CORP. | $280 | — | $280 | 0.89% |
| PEGASUS FINANCIAL GROUP, INC.3 | 515 SOUTH FLOWER ST STE 2310 LOS ANGELES, CA 90071 | ARAG INSURANCE COMPANY | $589 | — | $589 | 8.10% |
| PLANSOURCE BENEFITS ADMINISTRATION5 | PO BOX 1313 ORLANDO, FL 32802 | ARAG INSURANCE COMPANY | — | $264 | $264 | 3.63% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 160 FEDERAL STREET BOSTON, MA 02110 | ARAG INSURANCE COMPANY | $138 | — | $138 | 1.90% |
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 | 160 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 162 | $2.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 160 | $105K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 172 | $31K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 160 | $105K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 160 | $105K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 160 | $105K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 160 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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.
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.