| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARY SIMS3 Filed as: GARY ROBERT SIMS | 7840 EL CAJON BOULEVARD SUITE 303 LA MESA, CA 91942 | UNITEDHEALTHCARE INSURANCE COMPANY | $42K | $11K | $52K | 6.81% |
| ROGERS BENEFIT GROUP INC3 | 5110 NORTH 40TH STREET SUITE 234 PHOENIX, AZ 85018 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | — | $14K | 1.78% |
| GARY SIMS3 | 7840 EL CAJON BOULEVARD #303 LA MESA, CA 91942 | MEDIEXCEL HEALTH PLAN | $9K | — | $9K | 5.23% |
| SIMS, GARY, ROBERT3 | 7840 EL CAJON BOULEVARD SUITE 303 LA MESA, CA 91941 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 13.27% |
| ROGERS BENEFIT GROUP INC3 | 5110 NORTH 40TH STREET SUITE 234 PHOENIX, AZ 85018 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 13.27% |
| ENROLLEASE3 Filed as: ENROLLEASE LLC | 1980 FESTIVAL PLAZA DRIVE SUITE 330 LAS VEGAS, NV 89135 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $824 | — | $824 | 3.01% |
| SIMS, GARY R3 | 7840 EL CAJON BOULEVARD SUITE 303 LA MESA, CA 91941 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.95% |
| ROGERS BENEFIT GROUP INC3 | 5110 NORTH 40TH STREET SUITE 234 PHOENIX, AZ 85018 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $836 | $2K | 9.00% |
| GARY R SIMS3 Filed as: GARY R. SIMS | 7840 EL CAJON BOULEVARD SUITE 303 LA MESA, CA 91942 | VISION SERVICE PLAN | $664 | — | $664 | 7.90% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP | 5110 NORTH 40TH STREET SUITE 234 PHOENIX, AZ 85018 | VISION SERVICE PLAN | $453 | — | $453 | 5.39% |
| SIMS, GARY, ROBERT3 | 7840 EL CAJON BOULEVARD SUITE 303 LA MESA, CA 91941 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $694 | — | $694 | 14.85% |
| ROGERS BENEFIT GROUP INC3 | 5110 NORTH 40TH STREET SUITE 234 PHOENIX, AZ 85018 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $694 | — | $694 | 14.85% |
| ENROLLEASE3 Filed as: ENROLLEASE LLC | 1980 FESTIVAL PLAZA DRIVE SUITE 330 LAS VEGAS, NV 89135 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $141 | — | $141 | 3.02% |
| SIMS, GARY R3 Filed as: SIMS, GARY | 7840 EL CAJON BOULEVARD #303 LA MESA, CA 91942 | BLUE CROSS OF CALIFORNIA | $3K | — | $3K | — |
| ROGERS BENEFIT GROUP INC3 | 5110 NORTH 40TH STREET SUITE 234 PHOENIX, AZ 85018 | BLUE CROSS OF CALIFORNIA | $674 | — | $674 | — |
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 | 104 | 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) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 103 | $933K |
| Dental | MEDIEXCEL HEALTH PLAN | 101 | $165K |
| Vision(2 contracts, 2 carriers) | MEDIEXCEL HEALTH PLAN | 101 | $174K |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 153 | $29K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 15 | $5K |
| Other(5 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 153 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.