| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DONALD R MASSAD, APC3 Filed as: DONALD R MASSAD A PROF CORP | 6700 JEFFERSON HWY STE 7C BATON ROUGE, LA 708068287 | METROPOLITAN LIFE INSURANCE COMPANY | $84K | — | $84K | 14.05% |
| DONALD R MASSAD, APC3 Filed as: DONALD R MASSAD A PROF CORP | 6700 JEFFERSON HWY BLDG 7 STE C BATON ROUGE, LA 70806 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $56K | — | $56K | 13.91% |
| DONALD R MASSAD, APC3 Filed as: DONALD R MASSAD A PROF CORP | 6700 JEFFERSON HWY STE 7C BATON ROUGE, LA 708068287 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33K | — | $33K | 20.11% |
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 | 852 | 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) | 852 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONTINENTAL AMERICAN INSURANCE COMPANY | 653 | $166K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 925 | $599K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 925 | $599K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 925 | $599K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 916 | $405K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 916 | $405K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 925 | $599K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 925 | — |
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.