| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEMB INSURANCE GROUP LLC3 | 2801 COHO STREET, SUITE 200 MADISON, WI 53713 | QUARTZ HEALTH BENEFIT PLANS CORPORATION | $30K | $0 | $30K | 0.86% |
| HEMB INSURANCE GROUP LLC3 | 2801 COHO STREET, SUITE 200 MADISON, WI 53713 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $2K | $8K | 3.38% |
| HEMB INSURANCE GROUP LLC3 | 2801 COHO STREET, SUITE 200 MADISON, WI 53713 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $6K | $22K | 12.37% |
| HEMB INSURANCE GROUP LLC3 | 2801 COHO STREET, SUITE 200 MADISON, WI 53713 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.41% |
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 | 268 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 573 | $3.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 224 | $224K |
| Vision | VISION SERVICE PLAN | 161 | $21K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 268 | $178K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 268 | $178K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 268 | $178K |
| Prescription drug | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 573 | $3.5M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 268 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 573 | — |
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.