| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARY SIMS3 | 7840 EL CAJON BOULEVARD #303 LA MESA, CA 91942 | MEDIEXCEL HEALTH PLAN | $6K | — | $6K | 4.95% |
| GARY SIMS3 | 7840 EL CAJON BOULEVARD #303 LA MESA, CA 91942 | MEDIEXCEL HEALTH PLAN | $5K | — | $5K | 4.81% |
| GARY R SIMS3 | 7840 EL CAJON BOULEVARD SUITE 303 LA MESA, CA 91941 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $26K | — | $26K | 25.17% |
| GARY SIMS3 Filed as: GARY SIMMS | 7840 EL CAJON BOULEVARD #303 LA MESA, CA 91941 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $10K | — | $10K | 9.34% |
| ROGERS BENEFIT GROUP INC3 | 5110 NORTH 40TH STREET SUITE 234 PHOENIX, AZ 85018 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $7K | — | $7K | 6.29% |
| ROGERS BENEFIT GROUP INC3 | 80 SOUTH 8TH STREET #4628 MINNEAPOLIS, MN 55402 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $2K | — | $2K | 2.34% |
| GARY SIMS3 Filed as: GARY ROBERT SIMS | 7840 EL CAJON BOULEVARD SUITE 303 LA MESA, CA 91942 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 4.45% |
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 | 137 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 137 | $1.2M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 66 | $84K |
| Life insurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 137 | $104K |
| Other | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 137 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.