| 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 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $97K | $29K | $127K | 2.60% |
| DONALD R MASSAD, APC3 Filed as: DONALD R MASSAD A PROF CORP | 4970 BLUEBONNET BLVD. STE. B BATON ROUGE, LA 70809 | STARMOUNT LIFE INSURANCE COMPANY | $32K | $5K | $37K | 11.58% |
| 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 | $37K | $10 | $37K | 14.08% |
| DONALD R MASSAD, APC3 Filed as: DONALD R MASSAD A PROF CORP | 4970 BLUEBONNET BLVD. STE. B BATON ROUGE, LA 708093089 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $31K | — | $31K | 15.79% |
| 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 | $4K | — | $4K | 17.62% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | P. O. BOX 83278 BATON ROUGE, LA 70884 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | $4 | $46 | 31.94% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $69 | $8 | $77 | 60.16% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $1 | $15 | 12.30% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | P. O. BOX 83278 BATON ROUGE, LA 70884 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | $4 | $42 | 35.59% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | $3 | $36 | 36.00% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | $4 | $39 | 60.00% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $2 | $25 | 46.30% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $1 | $16 | 30.77% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $1 | $9 | 34.62% |
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 | 607 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 619 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(11 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 1,012 | $4.9M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 1,010 | $315K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 1,010 | $315K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 68 | $199K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 130 | $261K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 130 | $261K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 1,012 | $4.9M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 68 | $199K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,012 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.