| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEMB INSURANCE GROUP LLC3 Filed as: HEMB INSURANCE GROUP, LLC | 2801 COHO STREET STE 200 MADISON, WI 53713 | COMPANION LIFE | $32K | — | $32K | 10.43% |
| UMR, INC.3 Filed as: UMR | 2700 MIDWEST DRIVE ONALASKA, WI 54602 | COMPANION LIFE | $3K | — | $3K | 0.90% |
| HEMB INSURANCE GROUP LLC3 Filed as: HEMB INSURANCE GROUP, LLC | 2801 COHO STREET STE 200 MADISON, WI 53713 | DELTA DENTAL OF WISCONSIN | $19K | $18K | $37K | 21.36% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | 2700 MIDWEST DRIVE ONALASKA, WI 54602 | $83K |
| HIGGINS HEMB INSURANCE GROUP EIN 39-1948061 BROKER | Other commissions Service code 55 | 2801 COHO STREET STE 200 MADISON, WI 53713 | $6K |
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 | 202 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPANION LIFE | 202 | $303K |
| Dental(2 contracts, 2 carriers) | COMPANION LIFE | 202 | $475K |
| Vision | COMPANION LIFE | 202 | $303K |
| Life insurance | COMPANION LIFE | 202 | $303K |
| Short-term disability | COMPANION LIFE | 202 | $303K |
| Long-term disability | COMPANION LIFE | 202 | $303K |
| Prescription drug | COMPANION LIFE | 202 | $303K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE | 202 | $303K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.