| 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 | AETNA HEALTH, INC. | $59K | — | $59K | 5.08% |
| DONALD R MASSAD, APC3 Filed as: DONALD R. MASSAD APC | 4970 BLUEBONNET BLVD. STE. B BATON ROUGE, LA 708093089 | SOUTHERN NATIONAL LIFE | $25K | $12K | $37K | 22.25% |
| DONALD R MASSAD, APC3 Filed as: DONALD R. MASSAD APC | 4970 BLUEBONNET BLVD. STE. B BATON ROUGE, LA 708093089 | STARMOUNT LIFE INSURANCE COMPANY | $9K | — | $9K | 10.43% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | P. O. BOX 83278 BATON ROUGE, LA 70884 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18K | $1K | $19K | 25.81% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | P. O. BOX 83278 BATON ROUGE, LA 70884 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $265 | $5K | 19.21% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | P. O. BOX 83278 BATON ROUGE, LA 70884 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $201 | $3K | 25.66% |
| DONALD R MASSAD, APC3 Filed as: DONALD R. MASSAD APC | 4970 BLUEBONNET BLVD. STE. B BATON ROUGE, LA 708093089 | NATIONAL GUARDIAN LIFE | $739 | — | $739 | 10.42% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | P. O. BOX 83278 BATON ROUGE, LA 70884 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $61 | $1K | 23.46% |
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 | 208 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | AETNA HEALTH, INC. | 218 | $1.3M |
| Dental(2 contracts, 2 carriers) | STARMOUNT LIFE INSURANCE COMPANY | 148 | $91K |
| Vision(2 contracts, 2 carriers) | STARMOUNT LIFE INSURANCE COMPANY | 148 | $91K |
| Life insurance | SOUTHERN NATIONAL LIFE | 189 | $168K |
| Short-term disability | SOUTHERN NATIONAL LIFE | 189 | $168K |
| Long-term disability | SOUTHERN NATIONAL LIFE | 189 | $168K |
| Prescription drug | AETNA HEALTH, INC. | 218 | $1.2M |
| Other(3 contracts, 3 carriers) | SOUTHERN NATIONAL LIFE | 189 | $259K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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.