| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEMB INSURANCE GROUP LLC3 Filed as: HEMB INSURANCE GROUP, LLC | 2801 COHO STREET, SUITE 200 MADISON, WI 53713 | DEAN HEALTH PLAN INC. | $20K | $0 | $20K | 2.09% |
| GROUP BENEFITS LIMITED3 | 412006 RIDGEMONT DRIVE URBANDALE, IA 50323 | WELLMARK HEALTH PLAN OF IOWA | $6K | $0 | $6K | 3.22% |
| HEMB INSURANCE GROUP LLC3 Filed as: HEMB INSURANCE GROUP, LLC | 2801 COHO STREET, SUITE 200 MADISON, WI 53713 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $213 | $3K | 5.49% |
| JENNON M CARUTH3 Filed as: JENNON M. CARUTH | 1331 HEATHER COURT CHANHASSEN, MN 55317 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 15.23% |
| HEMB INSURANCE GROUP LLC3 Filed as: HEMB INSURANCE GROUP, LLC | 2801 COHO STREET, SUITE 200 MADISON, WI 53713 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 10.97% |
| THIRD COAST ADVISORS INC3 Filed as: THIRD COAST ADVISORS, INC. | UNKNOWN MARINA DEL REY, CA 90292 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $61 | $0 | $61 | 0.11% |
| CLARITY ENROLLMENT SOLUTIONS LLC3 Filed as: CLARITY ENROLLMENT SOLUTIONS, LLC | 7825 WASHINGTON AVENUE SOUTH SUITE 710 MINNEAPOLIS, MN 55439 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$63 | $0 | -$63 | -0.11% |
| MANIACI INSURANCE SERVICES, INC.3 Filed as: MANIACI INSURANCE SERVICES | 500 SILVER SPUR ROAD, SUITE 121 ROLLING HILLS ESTATES, CA 90275 | KAISER FOUNDATION HEALTH PLAN INC | $2K | $0 | $2K | 4.60% |
| HEMB INSURANCE GROUP LLC3 Filed as: HEMB INSURANCE GROUP, LLC | 2801 COHO STREET, SUITE 200 MADISON, WI 53713 | HARTFORD LIFE AND ACCIDENT | $2K | $0 | $2K | 9.20% |
| HEMB INSURANCE GROUP LLC3 Filed as: HEMB INSURANCE GROUP, LLC | 2801 COHO STREET, SUITE 200 MADISON, WI 53713 | DELTA DENTAL OF IOWA | $756 | $149 | $905 | 7.18% |
| HEMB INSURANCE GROUP LLC3 Filed as: HEMB INSURANCE GROUP, LLC | 2801 COHO STREET, SUITE 200 MADISON, WI 53713 | VISION SERVICE PLAN | $647 | $0 | $647 | 7.76% |
| HEMB INSURANCE GROUP LLC3 Filed as: HEMB INSURANCE GROUP, LLC | 2801 COHO STREET, SUITE 200 MADISON, WI 53713 | SUN LIFE ASSURANCE COMPANY OF CANADA | $62 | $0 | $62 | 10.08% |
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 | 185 | 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) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | DEAN HEALTH PLAN INC. | 185 | $1.2M |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 164 | $76K |
| Vision | VISION SERVICE PLAN | 84 | $8K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 185 | $19K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 73 | $56K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 73 | $56K |
| Prescription drug(4 contracts, 4 carriers) | DEAN HEALTH PLAN INC. | 185 | $1.2M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 185 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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."
No prospect flags tripped on this filing.