| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEMB INSURANCE GROUP LLC3 Filed as: HEMB INSURANCE GROUP | 2801 COHO STREET SUITE 200 MADISON, WI 53713 | THE GUARDIAN LIFE INSURANCE COMAPNY OF AMERICA | $11K | — | $11K | 4.85% |
| HEMB INSURANCE GROUP LLC3 | 2801 COHO ST STE 200 MADISON, WI 53713 | DELTA DENTAL OF WISCONSIN | $5K | — | $5K | 4.33% |
| HEMB INSURANCE GROUP LLC3 | 2801 COHO ST STE 200 MADISON, WI 53713 | DELTA DENTAL OF WISCONSIN | $5K | — | $5K | 5.44% |
| HEMB INSURANCE GROUP LLC3 Filed as: HEMB, JACK | HEMB INSURANCE GROUP 2801 COHO ST STE 200 MADISON, WI 53713 | GROUP HEALTH COOPERATIVE OF SOUTH CENTRAL WISCONSIN | $1K | — | $1K | 4.82% |
| HEMB INSURANCE GROUP LLC3 | 2801 COHO ST STE 200 MADISON, WI 53713 | HARTFORD LIFE AND ACCIDENT | $3K | $61 | $3K | 10.09% |
| HEMB INSURANCE GROUP LLC3 Filed as: HEMB INSURANCE GROUP, LLC | 2801 COHO ST STE 200 MADISON, WI 537134531 | VISION SERVICE PLAN | $846 | — | $846 | 6.21% |
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 | 387 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 387 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL OF WISCONSIN | 257 | $209K |
| Vision | VISION SERVICE PLAN | 139 | $14K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMAPNY OF AMERICA | 398 | $248K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMAPNY OF AMERICA | 387 | $219K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMAPNY OF AMERICA | 387 | $219K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMAPNY OF AMERICA | 398 | $248K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 398 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.