| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DONALD R MASSAD, APC3 Filed as: DONALD R MASSAD A PROF CORP | 6700 JEFFERSON HIGHWAY BLDG 7 STE C BATON ROUGE, LA 70806 | SYMETRA LIFE INSURANCE COMPANY | $107K | — | $107K | 16.94% |
| FRANCIS B. CLEMENTS3 Filed as: FRANCIS B CLEMENTS | 17501 JEFFERSON HWY STE A BATON ROUGE, LA 70817 | SYMETRA LIFE INSURANCE COMPANY | $32K | — | $32K | 5.10% |
| DONALD R MASSAD, APC3 Filed as: DONALD R MASSAD A PROF CORP | 6700 JEFFERSON HIGHWAY BLDG 7 STE C BATON ROUGE, LA 708068288 | HUMANA | $72K | — | $72K | 13.41% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF LA CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 5525 REITZ AVENUE BATON ROUGE, LA 708261798 | $552K |
| HUB INTERNATIONAL MIDWEST BROKER | Insurance agents and brokers Service code 22 | PO BOX 60970 LAFAYETTE, LA 70508 | $29K |
| NATIONAL BENEFIT CORPORATION BROKER | Insurance agents and brokers Service code 22 | 5022 GRAND RIDGE DR WEST DES MOINES, IA 50265 | $11K |
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 | 785 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 785 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 785 | $678K |
| Dental | HUMANA | 826 | $537K |
| Vision | HUMANA | 826 | $537K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 785 | $629K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 785 | $629K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 785 | $629K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 785 | $678K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 785 | $678K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 826 | — |
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."
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.