| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DONALD R MASSAD, APC3 Filed as: DONALD R MASSAD A PROF CORP | 6700 JEFFERSON HWY BLDG 7 STE C BATON ROUGE, LA 708068287 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $100K | $42K | $141K | 2.84% |
| DONALD R MASSAD, APC3 Filed as: DONALD R MASSAD A PROF CORP | 6700 JEFFERSON HWY BLDG 7 STE C BATON ROUGE, LA 708068287 | METROPOLITAN LIFE INSURANCE COMPANY | $37K | — | $37K | 11.44% |
| DONALD R MASSAD, APC3 Filed as: DONALD R MASSAD A PROF CORP | 6700 JEFFERSON HWY BLDG 7 STE C BATON ROUGE, LA 708068287 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $42K | — | $42K | 14.90% |
| DONALD R MASSAD, APC3 Filed as: DONALD R MASSAD A PROF CORP | 6700 JEFFERSON HWY BLDG 7 STE C BATON ROUGE, LA 708068287 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $33K | — | $33K | 19.92% |
| 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 | $8K | — | $8K | 16.48% |
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 | 612 | 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) | 612 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 978 | $5.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,362 | $320K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,362 | $320K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 409 | $165K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 798 | $285K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 798 | $285K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 978 | $5.0M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 409 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,362 | — |
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.