When split fins are created using a single freeform fin set in OpenRocket, the split is ignored, and a "jagged fin" warning is displayed; using this technique results in the same drag as if the gap did not exist. When split fins are created using two separate fin sets, OpenRocket (and RockSim) apply the Barrowman (or its own drag) equation separately to each fin set; the drag is the same as if one fin set is at 0 degrees and a second fin set is rotated mid-way between the fins in the first set.
To generally see how this works, create two touching three-fin fin sets that have the same dimensions, and look at where the CP is. Now rotate one of the fin sets, the CP does not move. Now delete the forward fin set and increase the bottom fin count to six. The CP should be in about the same place as with both fin sets, though not exactly (because of the fin set placement on the body tube).
Neither OpenRocket nor RockSim account for gapped fins based upon the size of the gap.