Welfare broker

SIMA BENEFITS CONSULTING GROUP

Mailing address (most recent filing)

PO BOX 31658

RICHMOND, VA 23294

Total comp: $135K
Commissions: $81K
Fees: $54K
Filings: 6
Sponsors: 6

Carrier mix

Where SIMA BENEFITS CONSULTING GROUP places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

HARTFORD LIFE AND ACCIDENT50.0%
THE LINCOLN NATIONAL LIFE INSURANCE COMPANY50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
HARTFORD LIFE AND ACCIDENT	1	$61K	50.0%
THE LINCOLN NATIONAL LIFE INSURANCE COMPANY	1	$169K	50.0%

Top states · with penetration index

Plan count by state. Index > 1.0means over-indexed vs the broker's national share.

State	Plans	Premium	State share	Index
VA	2	$230K	0.1%	45.89x

Top industries by premium

NAICS-2 sectors where this broker places the most welfare premium.

Sponsor-size mix

Plan count by total participants. Reveals whether this broker is a mid-market player or jumbo-employer specialist.

Broker compensation as % of premium

Distribution of SIMA BENEFITS CONSULTING GROUP's plans by broker comp / premium ratio. Median 13.61% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

Share of SIMA BENEFITS CONSULTING GROUP's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-2 of 2 sponsors where SIMA BENEFITS CONSULTING GROUP is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
JAMES RIVER HOME HEALTH CARE, LLC JAMES RIVER HOME HEALTH CARE, LLC GROUP INSURANCE PLAN	VA	$169K	$31K	THE LINCOLN NATIONAL LIFE INSURANCE COMPANY
TDBBS, LLC TDBBS, LLC HEALTH AND WELFARE PLAN	VA	$61K	$5K	HARTFORD LIFE AND ACCIDENT

Carrier

Plans

Premium

HARTFORD LIFE AND ACCIDENT

$61K

50.0%

THE LINCOLN NATIONAL LIFE INSURANCE COMPANY

$169K

50.0%

State

Plans

Premium

State share

Index

$230K

0.1%

45.89x

Sponsor

Loc

Premium

Comp

Carrier

JAMES RIVER HOME HEALTH CARE, LLC

JAMES RIVER HOME HEALTH CARE, LLC GROUP INSURANCE PLAN

$169K

$31K

THE LINCOLN NATIONAL LIFE INSURANCE COMPANY

TDBBS, LLC

TDBBS, LLC HEALTH AND WELFARE PLAN

$61K

$5K

HARTFORD LIFE AND ACCIDENT