| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DONALD R MASSAD, APC3 Filed as: DONALD R. MASSAD APC | 4970 BLUEBONNET BLVD. STE. B BATON ROUGE, LA 708093089 | BLUE CROSS BLUE SHIELD OF LOUISIANA | $43K | $28K | $71K | 6.36% |
| DONALD R MASSAD, APC3 Filed as: DONALD R. MASSAD APC | 4970 BLUEBONNET BLVD. STE. B BATON ROUGE, LA 708093089 | KANSAS CITY LIFE INSURANCE COMPANY | $9K | — | $9K | 7.44% |
| DONALD R MASSAD, APC3 Filed as: DONALD R. MASSAD APC | 4970 BLUEBONNET BLVD. STE. B BATON ROUGE, LA 708093089 | NATIONAL GUARDIAN LIFE | $9K | — | $9K | 10.49% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | P. O. BOX 83278 BATON ROUGE, LA 70884 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $2K | $9K | 74.91% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | P. O. BOX 83278 BATON ROUGE, LA 70884 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $1K | $6K | 74.33% |
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 | 143 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF LOUISIANA | 186 | $1.2M |
| Dental | NATIONAL GUARDIAN LIFE | 143 | $82K |
| Vision | NATIONAL GUARDIAN LIFE | 143 | $82K |
| Life insurance | KANSAS CITY LIFE INSURANCE COMPANY | 153 | $114K |
| Long-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 153 | $114K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF LOUISIANA | 186 | $1.1M |
| Other | KANSAS CITY LIFE INSURANCE COMPANY | 153 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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.