| 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 | $24K | $0 | $24K | 2.07% |
| BIS BENEFITS, INC.3 | 10745 WESTSIDE WAY, SUITE 250 ALPHARETTA, GA 30009 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | $12K | $2K | $14K | 4.32% |
| GROUP BENEFITS LTD3 | 12006 RIDGEMONT DRIVE URBANDALE, IA 50323 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $8K | $0 | $8K | 4.21% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | PO BOX 1788 GRAND RAPIDS, MI 49501 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $305 | $4K | 5.00% |
| MANAICI INSURANCE SERVICES3 | 500 SILVER SPUR ROAD, SUITE 121 ROLLING HILLS ESTATES, CA 90275 | KAISER FOUNDATION HEALTH PLAN, INC. | $2K | $0 | $2K | 5.54% |
| BIS BENEFITS, INC.3 | 10745 WESTSIDE WAY, SUITE 250 ALPHARETTA, GA 30009 | HUMANA INSURANCE COMPANY | $2K | $640 | $3K | 10.27% |
| 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 | 8.86% |
| 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 | $17K | $439 | $18K | 160.43% |
| JENNON M CARUTH3 Filed as: JENNON M. CARUTH | 1331 HEATHER COURT CHANHASSEN, MN 55317 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 89.20% |
| THIRD COAST ADVISORS INC3 Filed as: THIRD COAST ADVISORS, INC. | UNKNOWN FAIRFIELD, IA 52556 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $116 | $0 | $116 | 1.05% |
| HEMB INSURANCE GROUP LLC3 Filed as: HEMB INSURANCE GROUP, LLC | 2801 COHO STREET, SUITE 200 MADISON, WI 53713 | DELTA DENTAL OF IOWA | $643 | $189 | $832 | 7.76% |
| HEMB INSURANCE GROUP LLC3 Filed as: HEMB INSURANCE GROUP, LLC | 2801 COHO STREET, SUITE 200 MADISON, WI 53713 | VISION SERVICE PLAN | $741 | $0 | $741 | 8.38% |
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 | 462 | 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) | 462 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | DEAN HEALTH PLAN INC | 185 | $1.7M |
| Dental(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 174 | $118K |
| Vision(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 86 | $37K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 462 | $24K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 129 | $11K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 129 | $11K |
| Prescription drug(4 contracts, 4 carriers) | DEAN HEALTH PLAN INC | 185 | $1.7M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 462 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 462 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.