| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DONALD R MASSAD, APC3 Filed as: DONALD MASSAD APC | 4970 BLUEBONNET BLVD SUITE B BATON ROUGE, LA 70809 | HCC LIFE INSURANCE COMPANY | $23K | — | $23K | 6.86% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE | 405 E. ST. PETER STREET NEW IBERIA, LA 70560 | HCC LIFE INSURANCE COMPANY | $11K | — | $11K | 3.33% |
| REGIONS INSURANCE INC3 | 1500 RIVERFRONT DR LITTLEROCK, AR 72202 | HARTFORD LIFE AND ACCIDENT | $12K | — | $12K | 8.20% |
| DONALD R MASSAD, APC3 Filed as: DONALD R MASSAD APC | 4970 BLUEBONNET BLVD SUITE B BATON ROUGE, LA 70809 | HARTFORD LIFE AND ACCIDENT | $10K | — | $10K | 6.80% |
| REGIONS INSURANCE INC3 | 6000 POPLAR AVE SUITE 300 MEMPHIS, TN 38119 | HARTFORD LIFE AND ACCIDENT | $8K | — | $8K | 5.60% |
| DONALD R MASSAD, APC3 Filed as: DONALD R MASSAD APC | 4970 BLUEBONNET BLVD STE B BATON ROUGE, LA 708093089 | VISION SERVICE PLAN | — | $994 | $994 | 2.44% |
| DONALD R MASSAD, APC3 Filed as: DONALD MASSAD PC | 4970 BLUEBONNET BLVD SUITE B BATON ROUGE, LA 70809 | GILSBAR, INC | — | $80 | $80 | 27.68% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: REGIONS INSUARNCE | 405 E. ST. PETER STREET NEW IBERIA, LA 70560 | GILSBAR, INC | — | — | $0 | 0.00% |
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 | 281 | 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) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 281 | $384K |
| Dental | GILSBAR, INC | 262 | $289 |
| Vision | VISION SERVICE PLAN | 213 | $41K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 319 | $141K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 319 | $141K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 319 | $159K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 319 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.