| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DONALD R MASSAD, APC3 | 6700 JEFFERSON HWY STE C BATON ROUGE, LA 70806 | UNITEDHEALTHCARE INSURANCE COMPANY | $35K | — | $35K | 5.00% |
| CREATIVE EMPLOYEE BENEFIT SERVICES3 | P O BOX 83278 BATON ROUGE, LA 70884 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11K | $102 | $11K | 9.70% |
| MATTHEW MEHLON3 | P O BOX 80521 BATON ROUGE, LA 70898 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $200 | $3K | 2.27% |
| TABITHA DAY3 | 13384 REID DRIVE GONZALES, LA 70737 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $523 | $2K | 1.70% |
| SHANNON S KNAPPS3 | 11015 MCCULOUGH ROAD ZACHARY, LA 70791 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $111 | $1K | 0.99% |
| CHARLINE PARKER3 | 6390 TWIN BRIDGES ROAD ALEXANDRIA, LA 71303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $41 | $1K | 0.94% |
| LEE E FRITZE3 | 150 TUDOR AVENUE RIVER RIDGE, LA 70123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $147 | — | $147 | 0.12% |
| WHITNEY FRITZE3 | 150 TUDOR AVE RIVER RIDGE, LA 70123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $139 | — | $139 | 0.12% |
| DONALD R MASSAD, APC3 | 6700 JEFFERSON HWY SUITE C BATON ROUGE, LA 70806 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.02% |
| RUTHIE A LAGRONE3 | 3255 MORNING GLORY AVE BATON ROUGE, LA 70808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.02% |
| TERRELL & COMPANY INC3 Filed as: TERRELL AGENCY INC. | 1644 STUBBS VINSON ROAD MONROE, LA 71203 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| STEVEN MULLEN3 | 8685 JOOR RD BATON ROUGE, LA 70818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| DONALD R MASSAD, APC3 Filed as: DONALD R MASSAD APC | 6700 JEFFERSON HWY STE C BATON ROUGE, LA 70806 | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | $6K | $433 | $7K | 10.67% |
| DONALD R MASSAD, APC3 | 6700 JEFFERSON HWY STE C BATON ROUGE, LA 70806 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 20.00% |
| AXA ASSISTANCE, USA3 Filed as: SOUTHERN NATIONAL MARKETING CO | 5525 REITZ AVENUE BATON ROUGE, LA 70809 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 7.00% |
| DONALD R MASSAD, APC3 | 6700 JEFFERSON HWY STE C BATON ROUGE, LA 70806 | GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 13.00% |
| ENROLLEASE3 | 660 YORK STREET SUITE 102 SAN FRANCISCO, CA 94110 | GUARDIAN LIFE INSURANCE COMPANY | $514 | — | $514 | 3.00% |
| THE PRODUCERS GROUP, INC3 Filed as: THE PRODUCERS GROUP INC | 3939 N CAUSEWAY BLVD METARIE, LA 70002 | GUARDIAN LIFE INSURANCE COMPANY | $11 | — | $11 | 0.06% |
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 | 133 | 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) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 133 | $696K |
| Dental | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 94 | $64K |
| Vision | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 94 | $64K |
| Life insurance(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 138 | $161K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 99 | $118K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 138 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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.