| 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 | $80K | $38K | $118K | 2.96% |
| 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 | $61K | — | $61K | 12.71% |
| 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 | $51K | — | $51K | 14.84% |
| DONALD R MASSAD, APC3 Filed as: DONALD R MASSAD A PROF CORP | 6700 JEFFERSON HWY BLDG 7 STE C BATON ROUGE, LA 708068287 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35K | — | $35K | 25.34% |
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 | 574 | 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) | 574 | 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 | 505 | $4.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,278 | $478K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,278 | $478K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,278 | $478K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 853 | $342K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 853 | $342K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 0 | $4.0M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,278 | $478K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,278 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.