| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DONALD R MASSAD, APC3 Filed as: DONALD R. MASSAD, A PROF. CORP. | UNKNOWN BATON ROUGE, LA 70817 | BLUECROSS AND BLUESHIELD OF LOUISIANA | $17K | $8K | $25K | 3.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LTD | UNKNOWN BATON ROUGE, LA 70817 | BLUECROSS AND BLUESHIELD OF LOUISIANA | $7K | $0 | $7K | 0.87% |
| DONALD R MASSAD, APC3 Filed as: DONALD R. MASSAD A PROF CORP | 6700 JEFFERSON HIGHWAY BUILDING 7, SUITE C BATON ROUGE, LA 70806 | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC | $4K | $6K | $10K | 15.41% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC | $2K | $0 | $2K | 3.50% |
| DONALD R MASSAD, APC3 Filed as: DONALD R MASSAD A PROF CO | UNKNOWN BATON ROUGE, LA 70806 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 12.54% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | UNKNOWN METAIRIE, LA 70002 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 7.79% |
| AXA ASSISTANCE, USA3 Filed as: SOUTHERN NATIONAL MARKETING COMPANY | UNKNOWN BATON ROUGE, LA 70809 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 5.08% |
| DONALD R MASSAD, APC3 Filed as: DONALD R. MASSAD A PROF CORP | 6700 JEFFERSON HIGHWAY BUILDING 7, SUITE C BATON ROUGE, LA 70806 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $824 | $0 | $824 | 7.52% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH | 3660 CEDARCREST ROAD, SUITE 200 ACWORTH, GA 30101 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $600 | $0 | $600 | 5.48% |
| ENROLLEASE3 | 660 YORK STREET, SUITE 102 SAN FRANCISCO, CA 94110 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $190 | $0 | $190 | 1.73% |
| THE PRODUCERS GROUP, INC3 | UNKNOWN BATON ROUGE, LA 70817 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4 | $0 | $4 | 0.04% |
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 | 144 | 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) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS AND BLUESHIELD OF LOUISIANA | 131 | $783K |
| Dental | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC | 93 | $65K |
| Vision | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC | 93 | $65K |
| Life insurance(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 138 | $42K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 138 | $31K |
| Prescription drug | BLUECROSS AND BLUESHIELD OF LOUISIANA | 131 | $783K |
| Other(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 138 | $42K |
| 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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.