| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARY R SIMS3 | 7840 EL CAJON BOULEVARD SUITE 303 LA MESA, CA 91942 | SHARP HEALTH PLAN | $55K | — | $55K | 5.00% |
| GARY SIMS3 | 7840 EL CAJON BOULEVARD #303 LA MESA, CA 91942 | MEDIEXCEL HEALTH PLAN | $15K | — | $15K | 5.52% |
| ROGERS BENEFIT GROUP INC3 Filed as: EMERSOSN ROGERS, LLC | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | STARMOUNT LIFE INSURANCE COMPANY | $4K | $5K | $9K | 9.00% |
| SIMS, GARY R3 | 7840 EL CAJON BOULEVARD SUITE 303 LA MESA, CA 91942 | STARMOUNT LIFE INSURANCE COMPANY | $7K | — | $7K | 7.33% |
| SIMS, GARY R3 | 7840 EL CAJON BOULEVARD SUITE 303 LA MESA, CA 91941 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 15.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 5.00% |
| SIMS, GARY, ROBERT3 | 7840 EL CAJON BOULEVARD SUITE 303 LA MESA, CA 91941 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 7.69% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 7.69% |
| ENROLLEASE3 Filed as: ENROLLEASE LLC | 500 TREAT AVENUE SUITE 200 SAN FRANCISCO, CA 94110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $967 | — | $967 | 3.00% |
| SIMS, GARY R3 Filed as: SIMS GARY R | 7840 EL CAJON BOULEVARD SUITE 303 LA MESA, CA 91942 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 15.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $380 | $475 | $855 | 9.00% |
| SIMS, GARY, ROBERT3 | 7840 EL CAJON BOULEVARD SUITE 303 LA MESA, CA 91941 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $785 | — | $785 | 10.50% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $785 | — | $785 | 10.50% |
| ENROLLEASE3 Filed as: ENROLLEASE LLC | 500 TREAT AVENUE SUITE 200 SAN FRANCISCO, CA 94110 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $221 | — | $221 | 2.96% |
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 | 123 | 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) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SHARP HEALTH PLAN | 139 | $1.4M |
| Dental(2 contracts, 2 carriers) | MEDIEXCEL HEALTH PLAN | 98 | $365K |
| Vision(2 contracts, 2 carriers) | MEDIEXCEL HEALTH PLAN | 98 | $365K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 116 | $44K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 20 | $7K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 123 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.
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.