| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEMB INSURANCE GROUP LLC3 | 2801 COHO ST #200 MADISON, WI 53713 | QUARTZ HEALTH BENEFIT PLANS CORPORATION | $22K | $0 | $22K | 1.02% |
| HEMB INSURANCE GROUP LLC3 | 2801 COHO ST STE 200 MADISON, WI 53713 | DELTA DENTAL OF WISCONSIN | $7K | $0 | $7K | 9.61% |
| ANDREW P SHULLA3 Filed as: ANDREW PETER SHULLA | 1600 ASPEN CMNS STE 900 MIDDLETON, WI 53562 | NORTHWESTERN MUTUAL LIFE | $2K | $593 | $3K | 7.33% |
| CARY GRUNDER3 | 1600 ASPEN CMNS STE 900 MIDDLETON, WI 53562 | NORTHWESTERN MUTUAL LIFE | $2K | $417 | $2K | 5.16% |
| NM MNO LLC3 | 1600 ASPEN CMNS STE 900 MIDDLETON, WI 53562 | NORTHWESTERN MUTUAL LIFE | $706 | $85 | $791 | 1.97% |
| ANDREW P SHULLA3 Filed as: ANDREW PETER SHULLA | 1600 ASPEN CMNS STE 900 MIDDLETON, WI 53562 | NORTHWESTERN MUTUAL LIFE | $1K | $286 | $1K | 4.54% |
| CARY GRUNDER3 | 1600 ASPEN CMNS STE 900 MIDDLETON, WI 53562 | NORTHWESTERN MUTUAL LIFE | $1K | $285 | $1K | 4.52% |
| NM MNO LLC | 1600 ASPEN CMNS STE 900 MIDDLETON, WI 53562 | NORTHWESTERN MUTUAL LIFE | $403 | $48 | $451 | 1.44% |
| HEMB INSURANCE GROUP LLC3 | 2801 COHO ST STE 200 MADISON, WI 53713 | HARTFORD LIFE AND ACCIDENT | $3K | $0 | $3K | 15.80% |
| HEMB INSURANCE GROUP LLC3 | 2801 COHO ST STE 200 MADISON, WI 53713 | WYSSTA INSURANCE COMPANY INC | $698 | $0 | $698 | 7.98% |
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 | 106 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WISCONSIN | 73 | $78K |
| Vision | WYSSTA INSURANCE COMPANY INC | 54 | $9K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 102 | $22K |
| Short-term disability | NORTHWESTERN MUTUAL LIFE | 106 | $31K |
| Long-term disability | NORTHWESTERN MUTUAL LIFE | 106 | $40K |
| Prescription drug | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 284 | $2.2M |
| Other | HARTFORD LIFE AND ACCIDENT | 102 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 284 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.