| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DONALD R MASSAD, APC3 Filed as: DONALD R. MASSAD, APC | 6700 JEFFERSON HIGHWAY BATON ROUGE, LA 70806 | STARMOUNT LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| DONALD R MASSAD, APC3 Filed as: DONALD R MASSAD PC | 6700 JEFFERSON HIGHWAY BATON ROUGE, LA 70806 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 5.52% |
| CREATIVE EMPLOYEE BENEFIT SERVICES3 | PO BOX 83278 BATON ROUGE, LA 70884 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $68 | $1K | 5.45% |
| G BARILLEAUX & ASSOCIATES INC3 Filed as: G BARILLEAUX & ASSOCIATES INC. | 105 KOHEN LUKE DR. LAFAYETTE, LA 70506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $613 | $12 | $625 | 2.49% |
| LES-LEIGH CARGILL3 | 1280 ALMAGRE PEAK DR COLORADO SPRINGS, CO 80921 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $180 | — | $180 | 0.72% |
| CHARLINE PARKER3 | 6390 TWIN BRIDGES RD ALEXANDRIA, LA 71303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | — | $62 | 0.25% |
| RUTH A LAGRONE3 | 3255 MORNING GLORY AVE BATON ROUGE, LA 70808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | — | $57 | 0.23% |
| LULA D HOTARD3 | 184 ST. CALAIS PLACE MADISONVILLE, LA 70447 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 0.12% |
| MATTHEW MEHLON3 | PO BOX 80521 BATON ROUGE, LA 70898 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.08% |
| DONALD R MASSAD, APC3 Filed as: DONALD R. MASSAD, APC | 6700 JEFFERSON HIGHWAY BATON ROUGE, LA 70806 | STARMOUNT LIFE INSURANCE COMPANY | $2K | — | $2K | 12.00% |
| DONALD R MASSAD, APC3 Filed as: DONALD R. MASSAD, APC | 6700 JEFFERSON HIGHWAY BATON ROUGE, LA 70806 | STARMOUNT LIFE INSURANCE | $391 | — | $391 | 10.01% |
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 | 180 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 180 | $1.0M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 118 | $61K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 114 | $18K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 23 | $25K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 180 | $1.0M |
| Other | STARMOUNT LIFE INSURANCE | 118 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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."
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.