| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEMB INSURANCE GROUP LLC3 Filed as: HEMB INSURANCE GROUP | 2801 COHO ST. SUITE 200 MADISON, WI 537134531 | QUARTZ HEALTH PLANS INSURANCE CORPORATION | $22K | — | $22K | 1.55% |
| CARY GRUNDER3 | 1600 ASPEN CMNS STE 800 MIDDLETON, WI 53562 | NORTHWESTERN MUTUAL | $6K | $1K | $7K | 10.86% |
| KOSNICK FNCL GRP INC3 | 1600 ASPEN CMNS STE 800 MIDDLETON, WI 53562 | NORTHWESTERN MUTUAL | $1K | $140 | $1K | 1.94% |
| HEMB INSURANCE GROUP LLC3 Filed as: HEMB INSURANCE GROUP, LLC | 2801 COHO ST. STE. 200 MADISON, WI 53713 | DELTA DENTAL OF WISCONSIN | $5K | — | $5K | 9.57% |
| HEMB INSURANCE GROUP LLC3 | 2801 COHO ST STE 200 MADISON, WI 53713 | HARTFORD LIFE AND ACCIDENT | $1K | $45 | $1K | 15.53% |
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 | 101 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | QUARTZ HEALTH PLANS INSURANCE CORPORATION | 246 | $1.4M |
| Dental | DELTA DENTAL OF WISCONSIN | 59 | $49K |
| Vision | DELTA DENTAL OF WISCONSIN | 59 | $49K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 105 | $9K |
| Short-term disability | NORTHWESTERN MUTUAL | 105 | $67K |
| Long-term disability | NORTHWESTERN MUTUAL | 105 | $67K |
| Prescription drug | QUARTZ HEALTH PLANS INSURANCE CORPORATION | 246 | $1.4M |
| Other | HARTFORD LIFE AND ACCIDENT | 105 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.