| 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 | $23K | — | $23K | 1.44% |
| HEMB INSURANCE GROUP LLC3 Filed as: HEMB INSURANCE GROUP, LLC | 2801 COHO ST. STE. 200 MADISON, WI 53713 | DELTA DENTAL OF WISCONSIN | $6K | — | $6K | 10.38% |
| CARY GRUNDER3 | 1600 ASPEN CMNS STE 800 MIDDLETON, WI 53562 | NORTHWESTERN MUTUAL | $4K | $971 | $5K | 13.02% |
| NM MNO LLC3 | 1600 ASPEN CMNS STE 800 MIDDLETON, WI 53562 | NORTHWESTERN MUTUAL | $771 | $92 | $863 | 2.33% |
| CARY GRUNDER3 | 1600 ASPEN CMNS STE 800 MIDDLETON, WI 53562 | NORTHWESTERN MUTUAL | $2K | $521 | $3K | 9.71% |
| NM MNO LLC3 | 1600 ASPEN COMNS STE 800 MIDDLETON, WI 53562 | NORTHWESTERN MUTUAL | $413 | $50 | $463 | 1.74% |
| HEMB INSURANCE GROUP LLC3 | 2801 COHO ST STE 200 MADISON, WI 53713 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 14.96% |
| HEMB INSURANCE GROUP LLC3 | 2801 COHO ST STE 200 MADISON, WI 53713 | WYSSTA INSURANCE COMPANY INC | $592 | — | $592 | 8.37% |
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 | 98 | 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) | 98 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | QUARTZ HEALTH PLANS INSURANCE CORPORATION | 262 | $1.6M |
| Dental | DELTA DENTAL OF WISCONSIN | 66 | $57K |
| Vision(2 contracts, 2 carriers) | DELTA DENTAL OF WISCONSIN | 66 | $64K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 102 | $9K |
| Short-term disability | NORTHWESTERN MUTUAL | 102 | $27K |
| Long-term disability | NORTHWESTERN MUTUAL | 102 | $37K |
| Prescription drug | QUARTZ HEALTH PLANS INSURANCE CORPORATION | 262 | $1.6M |
| Other | HARTFORD LIFE AND ACCIDENT | 102 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 262 | — |
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."
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.