| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DONALD R MASSAD, APC3 | 6700 JEFFERSON HWY BLDG 7, STE C BATON ROUGE, LA 70806 | UNITEDHEALTHCARE INSURANCE COMPANY | $19K | — | $19K | 4.04% |
| DONALD R MASSAD, APC3 Filed as: DONALD R. MASSAD, APC | 6700 JEFFERSON HWY BLDG 7, STE C BATON ROUGE, LA 70806 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $5K | $792 | $5K | 11.74% |
| DONALD R MASSAD, APC3 Filed as: DONALD R MASSAD APC | 6700 JEFFERSON HWY BUILDING 7, SUITE C BATON ROUGE, LA 70806 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 8.51% |
| CREATIVE EMPLOYEE BENEFIT SERVICES3 Filed as: CREATIVE EMPLOYEE BENEFIT SOLUTIONS | P O BOX 83278 BATON ROUGE, LA 70884 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $82 | $1K | 6.87% |
| TABITHA DAY3 | 13384 REID DR GONZALES, LA 70737 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $182 | $12 | $194 | 0.95% |
| THE MASSAD OLINDE GROUP LLC3 Filed as: THE MASSAD OLINDE GROUP | 6700 JEFFERSON HWY BUILDING 7, SUITE C BATON ROUGE, LA 70806 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $164 | — | $164 | 0.81% |
| BRIAN TATES3 | 146 MOOR ROAD SHREVEPORT, LA 71106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $109 | — | $109 | 0.54% |
| AUSTIN ONEIL EPPINETTE3 Filed as: AUSTIN EPPINETTE | 8716 HOLLOW BLUFF DRIVE HAUGHTON, LA 71037 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | — | $75 | 0.37% |
| 3B VENTURE GROUP INC3 Filed as: 3B VENTURE GROUP OF TEXAS INC | 832 MALLARD TRAIL MURPHY, TX 75094 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.16% |
| CHRISTINA TURNER3 | 8715 DIXIE BLANCHARD RD SHREVEPORT, LA 71007 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 0.15% |
| VANESSA MARIA WARNER3 | 8209 HEATHERBROOK CIRCLE HAUGHTON, LA 71037 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.12% |
| GILES CONSULTING GROUP INC3 | 9826 MANSFIELD ROAD SHREVEPORT, LA 71118 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.03% |
| JENNIFER ANNE EVANS3 | 632 MUSTANG DR CONVERSE, LA 71419 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| MICHAEL E. OLINDE3 Filed as: MICHAEL EDWARD OLINDE | 6700 JEFFERSON HWY, STE 7A BATON ROUGE, LA 70806 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| MICHELLE RENEE LANDRY3 | 3402 VIDA SHAW RD NEW IBERIA, LA 70563 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| DONALD R MASSAD, APC3 Filed as: DONALD R MASSAD APC | 6700 JEFFERSON HWY BUILDING 7, SUITE C BATON ROUGE, LA 70806 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 20.10% |
| ENROLLEASE3 Filed as: ENROLLEASE INC. | 1980 FESTIVAL PLAZA DR STE 810 LAS VEGAS, NV 89135 | METROPOLITAN LIFE INSURANCE COMPANY | — | $144 | $144 | 2.02% |
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 | 170 | 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) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 81 | $482K |
| Dental | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 73 | $46K |
| Vision | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 73 | $46K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 170 | $7K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 170 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 170 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.