| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DONALD R MASSAD, APC3 Filed as: DONALD R. MASSAD, APC | 6700 JEFFERSON HIGHWAY BATON ROUGE, LA 70806 | BLUE CROSS AND BLUE SHIELD OF LA | $201K | — | $201K | 27.32% |
| ASSUREDPARTNERS3 Filed as: DWIGHT W. ANDRUS INSURANCE, INC. | 500 DOVER BOULEVARD, SUITE 110 LAFAYETTE, LA 70503 | BLUE CROSS AND BLUE SHIELD OF LA | $20K | — | $20K | 2.65% |
| DONALD R MASSAD, APC3 Filed as: DONALD R. MASSAD, APC | 6700 JEFFERSON HIGHWAY BATON ROUGE, LA 70806 | SYMETRA LIFE INSURANCE COMPANY | $81K | — | $81K | 16.69% |
| ASSUREDPARTNERS3 Filed as: DWIGHT W. ANDRUS INSURANCE, INC. | 500 DOVER BOULEVARD, SUITE 110 LAFAYETTE, LA 70503 | SYMETRA LIFE INSURANCE COMPANY | $20K | — | $20K | 4.05% |
| FRANCIS B. CLEMENTS3 | 17501 JEFFERSON HIGHWAY, SUITE A BATON ROUGE, LA 70817 | SYMETRA LIFE INSURANCE COMPANY | $6K | — | $6K | 1.20% |
| DONALD R MASSAD, APC3 Filed as: DONALD R. MASSAD, APC | 6700 JEFFERSON HIGHWAY BATON ROUGE, LA 70806 | HUMANA | $37K | — | $37K | 9.01% |
| ASSUREDPARTNERS3 Filed as: DWIGHT W. ANDRUS INSURANCE, INC. | 500 DOVER BOULEVARD, SUITE 110 LAFAYETTE, LA 70503 | HUMANA | $4K | — | $4K | 0.88% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF LA EIN 23-7384555 CONTRACT | Claims processing Service code 12 | 5525 REITZ AVENUE BATON ROUGE, LA 70809 | $471K |
| DWIGHT W. ANDRUS INSURANCE, INC. CONTRACT | Insurance agents and brokers Service code 22 | 500 DOVER BOULEVARD, SUITE 110 LAFAYETTE, LA 70503 | $28K |
| NATIONAL BENEFIT CORPORATION CONTRACT | Insurance agents and brokers Service code 22 | 5022 GRAND RIDGE DRIVE WEST DES MOINES, IA 50265 | $12K |
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 | 661 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 661 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LA | 661 | $737K |
| Dental | HUMANA | 680 | $406K |
| Vision | HUMANA | 680 | $406K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 661 | $487K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 661 | $487K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 661 | $487K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LA | 661 | $737K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS AND BLUE SHIELD OF LA | 661 | $737K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 680 | — |
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.