| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DONALD R MASSAD, APC3 Filed as: DONALD R MASSAD APC | 6700 JEFFERSON HWY, BLDG 7 SUITE C BATON ROUGE, LA 70806 | HARTFORD LIFE AND ACCIDENT | $33K | — | $33K | 15.00% |
| DONALD R MASSAD, APC Filed as: DONALD R. MASSAD APC | 6700 JEFFERSON HIGHWAY BUILDING 7, SUITE C BATON ROUGE, LA 70806 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | — | $10K | 7.94% |
| ANGELA MARIE VERGENAL Filed as: ANGELA M VERGENAL | 911 DARTEZ DRIVE NEW IBERIA, LA 70563 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 4.06% |
| SIEGAN J VERGENAL Filed as: SIEGAN J. VERGENAL | 172 HERITAGE PARKWAY BROUSSARD, LA 70518 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.09% |
| KEITH RICHARD | 113 FLAGG PLACE LAFAYETTE, LA 70508 | CONTINENTAL AMERICAN INSURANCE COMPANY | $540 | — | $540 | 0.42% |
| SKYE A VERGENAL | 715 MALLARD CV NEW IBERIA, LA 70560 | CONTINENTAL AMERICAN INSURANCE COMPANY | $374 | — | $374 | 0.29% |
| DONALD R MASSAD, APC3 Filed as: DONALD R MASSAD APC | 6700 JEFFERSON HWY, BLDG 7 SUITE C BATON ROUGE, LA 70806 | VISION SERVICE PLAN | — | $2K | $2K | 3.26% |
| DONALD R MASSAD, APC3 Filed as: DONALD MASSAD PC | 6700 JEFFERSON HWY, BLDG 7 SUITE C BATON ROUGE, LA 70806 | GILSBAR, INC | — | $316 | $316 | 72.64% |
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 | 378 | 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) | 378 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTHCARE | 378 | $626K |
| Dental | GILSBAR, INC | 367 | $435 |
| Vision | VISION SERVICE PLAN | 311 | $64K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 420 | $219K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 420 | $219K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 420 | $373K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 420 | — |
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."
No prospect flags tripped on this filing.