| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DONALD R MASSAD, APC3 | 4970 BLUEBONNET BLVD STE B BATON ROUGE, LA 70809 | BLUE CROSS BLUE SHIELD OF LOUISIANA | $31K | — | $31K | 0.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 235 HIGHLANDIA DR #200 BATON ROUGE, LA 70810 | METROPOLITAN LIFE INSURANCE COMPANY | $68K | $10K | $79K | 8.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 235 HIGHLANDIA DR STE 200 BATON ROUGE, LA 70810 | UNITED HEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 7.56% |
| DONALD R MASSAD, APC3 Filed as: DONALD R MASSAD APC | 4970 BLUEBONNET BLVD STE B BATON ROUGE, LA 70809 | UNITED HEALTHCARE INSURANCE COMPANY | $645 | — | $645 | 0.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 235 HIGHLANDIA DR #200 BATON ROUGE, LA 70810 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $615 | $6K | 15.26% |
| DONALD R MASSAD, APC3 | 4970 BLUEBONNET BLVD. STE B BATON ROUGE, LA 70809 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $517 | — | $517 | 1.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 235 HIGHLANDIA DR STE 200 BATON ROUGE, LA 70810 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $607 | $5K | 15.57% |
| DONALD R MASSAD, APC3 Filed as: DONALD R MASSAD APC | 4970 BLUEBONNET BLVD STE B BATON ROUGE, LA 70809 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $412 | — | $412 | 1.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 235 HIGHLANDIA DR #200 BATON ROUGE, LA 70810 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $520 | $4K | 15.67% |
| DONALD R MASSAD, APC3 | 4970 BLUEBONNET BLVD STE B BATON ROUGE, LA 70809 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $342 | — | $342 | 1.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 235 HIGHLANDIA DR STE 200 BATON ROUGE, LA 70810 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $300 | $3K | 15.19% |
| DONALD R MASSAD, APC3 Filed as: DONALD R MASSAD APC | 4970 BLUEBONNET BLVD STE B BATON ROUGE, LA 70809 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $264 | — | $264 | 1.39% |
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 | 1,212 | 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) | 1,212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 250 | $116K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 3,376 | $968K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 3,376 | $968K |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,376 | $1.0M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,376 | $968K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,376 | $1.0M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF LOUISIANA | 1,212 | $11.6M |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,376 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,376 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.