| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEMB INSURANCE GROUP LLC3 | 2801 COHO STREET, SUITE 200 MADISON, WI 53713 | DEAN HEALTH PLAN INC. | $16K | $0 | $16K | 1.69% |
| HEMB INSURANCE GROUP LLC3 | 2801 COHO STREET, SUITE 200 MADISON, WI 53713 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $299 | $4K | 5.23% |
| HEMB INSURANCE GROUP LLC3 Filed as: HEMB INSURANCE GROUP | 2801 COHO STREET, SUITE 200 MADISON, WI 53713 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 15.14% |
| CLARITY ENROLLMENT SOLUTIONS LLC3 | 7825 WASHINGTON AVENUE SOUTH SUITE 710 MINNEAPOLIS, MN 55439 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 11.99% |
| JENNON M CARUTH3 Filed as: JENNON M. CARUTH | 1331 HEATHER COURT CHANHASSEN, MN 55317 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 9.42% |
| THIRD COAST ADVISORS INC3 Filed as: THIRD COAST ADVISORS INC. | 1166 QUAIL COURT, SUITE 100 PEWAUKEE, WI 53072 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $175 | $0 | $175 | 0.28% |
| MANIACI INSURANCE SERVICES, INC.3 Filed as: MANIACI INSURANCE SERVICES | 500 SILVER SPUR ROAD, SUITE 121 ROLLING HILLS ESTATES, CA 90275 | KAISESR FOUNDATION HEALTH PLAN INC. | $2K | $0 | $2K | 5.42% |
| HEMB INSURANCE GROUP LLC3 | 2801 COHO STREET, SUITE 200 MADISON, WI 53713 | HARTFORD LIFE AND ACCIDENT | $2K | $106 | $2K | 10.48% |
| HEMB INSURANCE GROUP LLC3 | 2801 COHO STREET, SUITE 200 MADISON, WI 53713 | DELTA DENTAL OF IOWA | $598 | $0 | $598 | 6.23% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MUROHY AND ASSOCIATES | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | DELTA DENTAL OF IOWA | $0 | $5 | $5 | 0.05% |
| HEMB INSURANCE GROUP LLC3 Filed as: HEMB INSURANCE GROUP, LLC | 2801 COHO STREET, SUITE 200 MADISON, WI 53713 | VISION SERVICE PLAN | $651 | $0 | $651 | 8.44% |
| HEMB INSURANCE GROUP LLC3 | 2801 COHO STREET, SUITE 200 MADISON, WI 53713 | SUN LIFE ASSURANCE COMPANY OF CANADA | $347 | $0 | $347 | 6.16% |
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 | 192 | 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) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | DEAN HEALTH PLAN INC. | 170 | $1.2M |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 163 | $78K |
| Vision | VISION SERVICE PLAN | 72 | $8K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 192 | $23K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 90 | $61K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 90 | $61K |
| Prescription drug(3 contracts, 3 carriers) | DEAN HEALTH PLAN INC. | 170 | $1.2M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 192 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.