| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DONALD R MASSAD, APC3 | 6700 JEFFERSON HWY BLDG 7 STE C BATON ROUGE, LA 70806 | UNITEDHEALTHCARE INSURANCE COMPANY | $61K | — | $61K | 5.91% |
| DONALD R MASSAD, APC3 | 6700 JEFFERSON HWY BLDG 7 STE C BATON ROUGE, LA 70806 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 15.00% |
| AXA ASSISTANCE, USA3 Filed as: SOUTHERN NATIONAL MARKETING CO | 5525 REITZ AVE BATON ROUGE, LA 70809 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $11K | $11K | 9.04% |
| DONALD R MASSAD, APC3 | 6700 JEFFERSON HWY BLDG 7 STE C BATON ROUGE, LA 70806 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $1K | $10K | 10.71% |
| ENROLLEASE3 Filed as: ENROLLEASE INC. | 1980 FESTIVAL PLAZA DR. STE 810 LAS VEGAS, NV 89135 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.32% |
| DONALD R MASSAD, APC3 | 6700 JEFFERSON HWY BLDG 7 STE C BATON ROUGE, LA 70806 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | — | $5K | 18.51% |
| GEORGE K MILLER3 | P O BOX 83278 BATON ROUGE, LA 70884 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | — | $4K | 13.54% |
| AGM BENEFITS3 Filed as: AGM BENEFIT SOLUTIONS LLC | 8550 UNITED PLAZA BLVD STE 210 BATON ROUGE, LA 70809 | TRANSAMERICA LIFE INSURANCE COMPANY | $954 | — | $954 | 3.41% |
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 | 160 | 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) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 160 | $1.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 187 | $92K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 187 | $92K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 221 | $122K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 221 | $122K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 221 | $122K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 160 | $1.0M |
| Other | TRANSAMERICA LIFE INSURANCE COMPANY | 145 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.