| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CREATIVE EMPLOYEE BENEFIT SERVICES3 Filed as: CREATIVE EMPLOYEE BENEFIT SOLUTIONS | P O BOX 83278 BATON ROUGE, LA 70884 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $910 | $85 | $995 | 5.53% |
| 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 | $868 | — | $868 | 4.82% |
| BRIAN TATES3 | 146 MOOR ROAD SHREVEPORT, LA 71106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $268 | — | $268 | 1.49% |
| AUSTIN ONEIL EPPINETTE3 Filed as: AUSTIN EPPINETTE | 3400 SUITE B JACKSON ST ALEXANDRIA, LA 71301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $198 | — | $198 | 1.10% |
| TABITHA DAY3 | 13384 REID DR GONZALES, LA 70737 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $114 | $39 | $153 | 0.85% |
| 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 | $120 | — | $120 | 0.67% |
| CHRISTINA TURNER3 | 8715 DIXIE BLANCHARD RD SHREVEPORT, LA 71007 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $69 | — | $69 | 0.38% |
| VANESSA MARIA WARNER3 | 8209 HEATHERBROOK CIRCLE HAUGHTON, LA 71037 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | — | $64 | 0.36% |
| 3B VENTURE GROUP INC3 | 832 MALLARD TRAIL MURPHY, TX 75094 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | — | $63 | 0.35% |
| GILES CONSULTING GROUP INC3 | 9826 MANSFIELD ROAD SHREVEPORT, LA 71118 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.07% |
| JENNIFER ANNE EVANS3 | 632 MUSTANG DR CONVERSE, LA 71419 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.06% |
| MICHELLE RENEE LANDRY3 | 3402 VIDA SHAW RD NEW IBERIA, LA 70563 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.04% |
| 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 | $337 | $1K | 29.64% |
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 | 151 | 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) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 151 | $5K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 151 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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.