| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARY SIMS3 | 7840 EL CAJON BOULEVARD #303 LA MESA, CA 91941 | BLUE CROSS OF CALIFORNIA | $34K | — | $34K | 4.11% |
| ROGERS BENEFIT GROUP INC3 | 80 SOUTH 8TH STREET #4628 MINNEAPOLIS, MN 55402 | BLUE CROSS OF CALIFORNIA | $9K | — | $9K | 1.03% |
| GARY SIMS3 | 7840 EL CAJON BOULEVARD #303 LA MESA, CA 91942 | MEDIEXCEL HEALTH PLAN | $8K | — | $8K | 5.08% |
| GARY SIMS3 Filed as: GARY ROBERT SIMS | 7840 EL CAJON BOULEVARD SUITE 303 LA MESA, CA 91942 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 4.84% |
| SIMS, GARY, ROBERT3 | 7840 EL CAJON BOULEVARD SUITE 303 LA MESA, CA 91941 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 31.28% |
| ROGERS BENEFIT GROUP INC3 | 5110 NORTH 40TH STREET SUITE 234 PHOENIX, AZ 85018 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 31.28% |
| ENROLLEASE3 Filed as: ENROLLEASE LLC EASECENTRAL | 1980 FESTIVAL PLAZA DRIVE SUITE 330 LAS VEGAS, NV 89135 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $553 | — | $553 | 3.00% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP | 5110 NORTH 40TH STREET SUITE 234 PHOENIX, AZ 85018 | VISION SERVICE PLAN | $373 | — | $373 | 4.17% |
| SIMS, GARY, ROBERT3 | 7840 EL CAJON BOULEVARD SUITE 303 LA MESA, CA 91941 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 30.02% |
| ROGERS BENEFIT GROUP INC3 | 5110 NORTH 40TH STREET SUITE 234 PHOENIX, AZ 85018 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 30.02% |
| ENROLLEASE3 Filed as: ENROLLEASE LLC EASECENTRAL | 1980 FESTIVAL PLAZA DRIVE SUITE 330 LAS VEGAS, NV 89135 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $109 | — | $109 | 3.01% |
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 | 145 | 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) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 99 | $987K |
| Dental(2 contracts, 2 carriers) | MEDIEXCEL HEALTH PLAN | 99 | $226K |
| Vision(2 contracts, 2 carriers) | MEDIEXCEL HEALTH PLAN | 99 | $160K |
| Life insurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 145 | $9K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 11 | $4K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 145 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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."
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.