Welfare broker

PG INSURANCE SERVICES INC.

Mailing address (most recent filing)

23232 PERALTA DRIVE, SUITE 209

LAGUNA HILLS, CA 92653

Total comp: $572K
Commissions: $559K
Fees: $13K
Filings: 3
Sponsors: 3

Carrier mix

Where PG INSURANCE SERVICES INC. places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

KAISER FOUNDATION HEALTH PLAN INC50.0%
CIGNA HEALTH AND LIFE INSURANCE COMPANY50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
KAISER FOUNDATION HEALTH PLAN INC	1	$1.3M	50.0%
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$9.2M	50.0%

Top states · with penetration index

Plan count by state. Index > 1.0means over-indexed vs the broker's national share.

State	Plans	Premium	State share	Index
CA	2	$10.6M	0.0%	12.75x

Top industries by premium

NAICS-2 sectors where this broker places the most welfare premium.

Sponsor-size mix

Plan count by total participants. Reveals whether this broker is a mid-market player or jumbo-employer specialist.

Broker compensation as % of premium

Distribution of PG INSURANCE SERVICES INC.'s plans by broker comp / premium ratio. Median 5.04% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

Share of PG INSURANCE SERVICES INC.'s book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-2 of 2 sponsors where PG INSURANCE SERVICES INC. is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
ARCHIVAL FOUNDATION ARCHIVAL FOUNDATION WELFARE BENEFITS PLAN	CA	$9.2M	$450K	CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES
EPIC SHEET METAL, INC. EPIC SHEET METAL, INC. WELFARE BENEFITS PLAN	CA	$1.3M	$70K	KAISER FOUNDATION HEALTH PLAN INC.

Carrier

Plans

Premium

KAISER FOUNDATION HEALTH PLAN INC

$1.3M

50.0%

CIGNA HEALTH AND LIFE INSURANCE COMPANY

$9.2M

50.0%

State

Plans

Premium

State share

Index

$10.6M

0.0%

12.75x

Sponsor

Loc

Premium

Comp

Carrier

ARCHIVAL FOUNDATION

ARCHIVAL FOUNDATION WELFARE BENEFITS PLAN

$9.2M

$450K

CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES

EPIC SHEET METAL, INC.

EPIC SHEET METAL, INC. WELFARE BENEFITS PLAN

$1.3M

$70K

KAISER FOUNDATION HEALTH PLAN INC.