| 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 | $41K | — | $41K | 5.50% |
| CREATIVE EMPLOYEE BENEFIT SERVICES3 | PO BOX 83278 BATON ROUGE, LA 70884 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15K | $2K | $18K | 18.72% |
| LULA D HOTARD3 | 184 ST. CALAIS PLACE MADISONVILLE, LA 70447 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 3.37% |
| SHANNON S KNAPPS3 | 11015 MCCULOUGH RD ZACHARY, LA 70791 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $577 | $2K | 2.52% |
| MATTHEW MEHLON3 | PO BOX 80521 BATON ROUGE, LA 70898 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $669 | $43 | $712 | 0.76% |
| TABITHA DAY3 | 13384 REID DR. GONZALES, LA 70737 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $465 | $92 | $557 | 0.59% |
| COREY JOHNSON3 | 18225 JULIETTE BABIN DR PRAIRIEVILLE, LA 70769 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $553 | — | $553 | 0.59% |
| DENISE NERO3 | 995 CHARLIE ARCENEAUX RD RAYNE, LA 70578 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $404 | $122 | $526 | 0.56% |
| G BARILLEAUX & ASSOCIATES INC3 | 105 KOHEN LUKE DR LAFAYETTE, LA 70506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $368 | $10 | $378 | 0.40% |
| AARON L PARVINO3 Filed as: AARON YOUNG | 126 SWOON DR LAFAYETTE, LA 70508 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | $129 | $159 | 0.17% |
| JACOB MICHEL ETCHEVERRIA3 | 1058 BURKE RD BROUSSARD, LA 70518 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | $116 | $146 | 0.16% |
| WAYNE PICOU3 | 41335 CANNON RD GONZALES, LA 70737 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | — | $77 | 0.08% |
| LEE E FRITZE3 | 150 TUDOR AVE NEW ORLEANS, LA 70123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | — | $63 | 0.07% |
| WHITNEY FRITZE3 | 150 TUDOR AVE NEW ORLEANS, LA 70123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | — | $46 | 0.05% |
| CHARLINE PARKER3 | 11136 HIGHWAY 28 BOYCE, LA 71409 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.03% |
| RUTHIE A LAGRONE3 | 3255 MORNING GLORY AVE BATON ROUGE, LA 70808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.02% |
| JS YOUNG AND ASSOCIATES3 | 1040 CYPRESS CROSSING DR MADISONVILLE, LA 70447 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| DONALD R MASSAD, APC3 | 6700 JEFFERSON HWY BLDG 7, STE C BATON ROUGE, LA 70806 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 15.74% |
| DONALD R MASSAD, APC3 | 6700 JEFFERSON HWY BLDG 7, STE C BATON ROUGE, LA 70806 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 13.00% |
| THE PRODUCERS GROUP, INC3 | 151 POMPANO DRIVE HATTIESBURG, MS 39402 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18 | — | $18 | 0.13% |
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 | 234 | 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) | 234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 136 | $739K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 234 | $79K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 234 | $79K |
| Life insurance(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 234 | $187K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 234 | $79K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 136 | $739K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 234 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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.