| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JACK HEMB3 | HEMB INSURANCE GROUP, LLC 2801 COHO STREET, SUITE 200 MADISON, WI 53713 | DEAN HEALTH PLAN INC. | $18K | — | $18K | 1.85% |
| HEMB INSURANCE GROUP LLC3 | 2801 COHO STREET SUITE 200 MADISON, WI 531734531 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $341 | $4K | 5.42% |
| CLARITY ENROLLMENT SOLUTIONS LLC3 Filed as: CLARITY ENROLLMENT SOLUTIONS | 7825 WASHINGTON AVENUE SOUTH SUITE 710 MINNEAPOLIS, MN 55439 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21K | — | $21K | 38.72% |
| HEMB INSURANCE GROUP LLC3 Filed as: HEMB INSURANCE GROUP | 2801 COHO STREET SUITE 200 MADISON, WI 53713 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 22.07% |
| THIRD COAST ADVISORS INC3 Filed as: THIRD COAST ADVISORS INC. | 1166 QUAIL COURT SUIRE 100 PEWAUKEE, WI 53072 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16 | — | $16 | 0.03% |
| MANIACI INSURANCE SERVICES, INC.3 Filed as: MANIACI INSURANCE SERVICES | 500 SILVER SPUR ROAD SUITE 121 ROLLING HILLS ESTATES, CA 902753674 | KAISER FOUNDATION HEALTH PLAN INC. | $2K | $118 | $2K | 5.02% |
| HEMB INSURANCE GROUP LLC3 | 2801 COHO STREET SUITE 200 MADISON, WI 53713 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $12 | $2K | 9.31% |
| HEMB INSURANCE GROUP LLC3 | 2801 COHO STREET SUITE 200 MADISON, WI 53713 | DELTA DENTAL OF IOWA | $364 | — | $364 | 4.47% |
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | DELTA DENTAL OF IOWA | $124 | $24 | $148 | 1.82% |
| HEMB INSURANCE GROUP LLC3 Filed as: HEMB INSURANCE GROUP, LLC | 2801 COHO STREET SUITE 200 MADISON, WI 537134531 | VISION SERVICE PLAN | $542 | — | $542 | 9.14% |
| HEMB INSURANCE GROUP LLC3 | 2801 COHO STREET SUITE 200 MADISON, WI 53713 | SUN LIFE ASSURANCE COMPANY OF CANADA | $313 | — | $313 | 9.25% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | P.O. BOX 441 DES MOINES, IA 50302 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $49 | $49 | 1.45% |
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 | 256 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | DEAN HEALTH PLAN INC. | 175 | $1.1M |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 175 | $77K |
| Vision | VISION SERVICE PLAN | 72 | $6K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 211 | $25K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 90 | $53K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 90 | $53K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 211 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.