| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DONALD R MASSAD, APC3 Filed as: DONALD R MASSAD A PROF CORP | 4970 BLUEBONNET BLVD. STE. B BATON ROUGE, LA 70809 | UNITED HEALTHCARE INSURANCE COMPANY | $227K | — | $227K | 5.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC LA | 235 HIGHLANDIA DR. STE. 200 BATON ROUGE, LA 70810 | UNITED HEALTHCARE INSURANCE COMPANY | $80K | — | $80K | 1.77% |
| DONALD R MASSAD, APC3 Filed as: DONALD R MASSAD A PROF CORP | 4970 BLUEBONNET BLVD. STE. B BATON ROUGE, LA 708093089 | METROPOLITAN LIFE INSURANCE COMPANY | $67K | — | $67K | 12.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PL FL 14 ITASCA, IL 601431203 | METROPOLITAN LIFE INSURANCE COMPANY | $19 | $5 | $24 | 0.00% |
| DONALD R MASSAD, APC3 Filed as: DONALD R MASSAD A PROF CORP | 4970 BLUEBONNET BLVD. STE. B BATON ROUGE, LA 70809 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $30K | — | $30K | 14.18% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | P. O. BOX 83278 BATON ROUGE, LA 70884 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $303 | $2K | 68.97% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | P. O. BOX 83278 BATON ROUGE, LA 70884 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $98 | $27 | $125 | 89.29% |
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 | 562 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 22 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 592 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 974 | $4.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,518 | $534K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,518 | $534K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,518 | $534K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 749 | $214K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 749 | $214K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 974 | $4.5M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,518 | $534K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,518 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.