| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DONALD R MASSAD, APC3 Filed as: DONALD R MASSAD, A PROF CORP | 6700 JEFFERSON HIGHWAY BATON ROUGE, LA 70806 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $12K | $0 | $12K | 1.58% |
| DONALD R MASSAD, APC3 Filed as: DONALD R MASSAD, A PROF CORP | 6700 JEFFERSON HIGHWAY BLDG 7 BATON ROUGE, LA 70806 | HARTFORD LIFE AND ACCIDENT | $26K | $0 | $26K | 8.00% |
| DONALD R MASSAD, APC3 Filed as: DONALD R MASSAD, A PROF CORP | 6700 JEFFERSON HWY STE 7C BATON ROUGE, LA 708068287 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | $0 | $25K | 9.98% |
| GEORGE K MILLER2 | PO BOX 83278 BATON ROUGE, LA 70884 | TRANSAMERICA | $6K | $0 | $6K | 11.06% |
| WINSTON E HARRIS3 | 6715 PERKINS RD, STE B BATON ROUGE, LA 70808 | TRANSAMERICA | $5K | $0 | $5K | 9.25% |
| AGM BENEFITS3 Filed as: AGM BENEFIT SOLUTIONS LLC | 8550 UNITED PLAZA BLVD, STE 210 BATON ROUGE, LA 70809 | TRANSAMERICA | $868 | $0 | $868 | 1.70% |
| LES-LEIGH CARGILL3 | 11721 MARKET PLACE AVE, STE A BATON ROUGE, LA 70816 | TRANSAMERICA | $12 | $0 | $12 | 0.02% |
| DONALD R MASSAD, APC3 Filed as: DONALD R MASSAD, A PROF CORP | 6700 JEFFERSON HIGHWAY BATON ROUGE, LA 70806 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $5K | $0 | $5K | 13.54% |
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 | 226 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 572 | $253K |
| Vision | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 514 | $34K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 239 | $321K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 239 | $321K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 225 | $769K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 239 | $372K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 572 | — |
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.