| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARY R SIMS3 Filed as: GARY R SIMS INSURANCE SERVICES | 7840 EL CAJON BOULEVARD SUITE 303 LA MESA, CA 91942 | SHARP HEALTH PLAN | $46K | — | $46K | 5.00% |
| GARY SIMS3 | 7840 EL CAJON BOULEVARD #303 LA MESA, CA 91942 | MEDIEXCEL HEALTH PLAN | $6K | — | $6K | 5.37% |
| SIMS, GARY R3 | 7840 EL CAJON BOULEVARD SUITE 303 LA MESA, CA 91942 | STARMOUNT LIFE INSURANCE COMPANY | $5K | — | $5K | 7.83% |
| 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 | — | $3K | $3K | 5.36% |
| SIMS, GARY R3 | 7840 EL CAJON BOULEVARD SUITE 303 LA MESA, CA 91941 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 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 | — | $1K | $1K | 5.00% |
| SIMS, GARY, ROBERT3 | 7840 EL CAJON BOULEVARD SUITE 303 LA MESA, CA 91941 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $774 | — | $774 | 3.58% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $774 | — | $774 | 3.58% |
| ENROLLEASE3 Filed as: ENROLLEASE LLC | 500 TREAT AVENUE SUITE 200 SAN FRANCISCO, CA 94110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $606 | — | $606 | 2.80% |
| SIMS, GARY R3 Filed as: SIMS GARY R | 7840 EL CAJON BOULEVARD SUITE 303 LA MESA, CA 91942 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $645 | — | $645 | 15.91% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $215 | $215 | 5.30% |
| SIMS, GARY, ROBERT3 | 7840 EL CAJON BOULEVARD SUITE 303 LA MESA, CA 91941 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $95 | — | $95 | 2.87% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $95 | — | $95 | 2.87% |
| ENROLLEASE3 Filed as: ENROLLEASE LLC | 500 TREAT AVENUE SUITE 200 SAN FRANCISCO, CA 94110 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $94 | — | $94 | 2.84% |
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 | 87 | 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) | 87 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SHARP HEALTH PLAN | 140 | $1.0M |
| Dental(2 contracts, 2 carriers) | MEDIEXCEL HEALTH PLAN | 41 | $182K |
| Vision(2 contracts, 2 carriers) | MEDIEXCEL HEALTH PLAN | 41 | $182K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 50 | $28K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 13 | $3K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 87 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.