| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| QUERBES & NELSON3 | 214 MILAM ST SHREVEPORT, LA 71101 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $27K | $10K | $37K | 4.81% |
| DONALD R MASSAD, APC3 Filed as: DONALD MASSAD, A PROFESSIONAL CORP | 6700 JEFFERSON HIGHWAY BATON ROUGE, LA 70806 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $0 | $5K | $5K | 0.69% |
| QUERBES & NELSON3 | 214 MILAM ST SHREVEPORT, LA 71101 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $23K | — | $23K | 13.92% |
| LOUISIANA COMPANIES3 | 801 NORTH BOULEVARD BATON ROUGE, LA 70821 | STARMOUNT LIFE INSURANCE | $8K | — | $8K | 10.40% |
| CREATIVE EMPLOYEE BENEFIT SERVICES3 | PO BOX 83278 BATON ROUGE, LA 70884 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $119 | $2K | 6.39% |
| DONALD R MASSAD, APC3 Filed as: DONALD R MASSAD PC | 6700 JEFFERSON HIGHWAY BATON ROUGE, LA 70806 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $849 | — | $849 | 3.40% |
| G BARILLEAUX & ASSOCIATES INC3 Filed as: G BARILLEAUX & ASSOCIATES INC. | 105 KOHEN LUKE DR. LAFAYETTE, LA 70506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $615 | $23 | $638 | 2.56% |
| CHARLINE PARKER3 | 6390 TWIN BRIDGES RD ALEXANDRIA, LA 71303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $190 | $13 | $203 | 0.81% |
| LES-LEIGH CARGILL3 | 1280 ALMAGRE PEAK DR COLORADO SPRINGS, CO 80921 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $174 | — | $174 | 0.70% |
| RUTH A LAGRONE3 | 3255 MORNING GLORY AVE BATON ROUGE, LA 70808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.10% |
| LULA D HOTARD3 | 184 ST. CALAIS PLACE MADISONVILLE, LA 70447 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.07% |
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 | 135 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 108 | $768K |
| Dental | STARMOUNT LIFE INSURANCE | 129 | $82K |
| Vision | STARMOUNT LIFE INSURANCE | 129 | $82K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 24 | $25K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 135 | $163K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 135 | $163K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 108 | $768K |
| Other(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 135 | $245K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.