| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DONALD R MASSAD, APC3 Filed as: DONALD R MASSAD, A PROFESSIONAL GRP | 4970 BLUEBONNET BLVD, STE B BATON ROUGE, LA 70809 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $69K | $0 | $69K | 11.67% |
| DONALD R MASSAD, APC3 Filed as: DONALD R MASSAD, A PROFESSIONAL GRP | 4970 BLUEBONNET BLVD, STE B BATON ROUGE, LA 70809 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $17K | $0 | $17K | 5.25% |
| BENEFIT ADVISORY GROUP, LLC3 Filed as: BENEFIT ADVISORY GROUP LLC | 3510 N CAUSEWAY BLVD, STE 300 METAIRIE, LA 70002 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $87 | $0 | $87 | 0.03% |
| DONALD R MASSAD, APC3 Filed as: DONALD R MASSAD, A PROFESSIONAL GRP | 6700 JEFFERSON HWY, BLDG 7, STE C BATON ROUGE, LA 70806 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | $0 | $27K | 10.86% |
| GEORGE K MILLER2 | PO BOX 83278 BATON ROUGE, LA 70884 | TRANSAMERICA | $3K | $0 | $3K | 11.58% |
| WINSTON E HARRIS3 | 6715 PERKINS RD, STE B BATON ROUGE, LA 70808 | TRANSAMERICA | $3K | $0 | $3K | 9.78% |
| AGM BENEFITS3 Filed as: AGM BENEFIT SOLUTIONS LLC | 3975 O'NEAL LN, STE B BATON ROUGE, LA 70816 | TRANSAMERICA | $556 | $0 | $556 | 2.01% |
| LEIGH CARGILL3 | 11721 MARKET PLACE AVE, STE A BATON ROUGE, LA 70816 | TRANSAMERICA | $14 | $0 | $14 | 0.05% |
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 | 216 | 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) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 216 | $589K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 576 | $248K |
| Vision | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 457 | $325K |
| Life insurance | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 457 | $325K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 457 | $325K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 216 | $589K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 216 | $589K |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 457 | $353K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 576 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.