| 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 | $38K | — | $38K | 5.50% |
| CREATIVE EMPLOYEE BENEFIT SERVICES3 | PO BOX 83278 BATON ROUGE, LA 70884 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $216 | $9K | 10.59% |
| LULA D HOTARD3 | 184 ST. CALAIS PLACE MADISONVILLE, LA 70447 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 2.68% |
| TABITHA DAY3 | 13384 REID DR. GONZALES, LA 70737 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $394 | $2K | 1.86% |
| G BARILLEAUX & ASSOCIATES INC3 | 105 KOHEN LUKE DR LAFAYETTE, LA 70506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $38 | $2K | 1.73% |
| MATTHEW MEHLON3 | PO BOX 80521 BATON ROUGE, LA 70898 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $333 | $15 | $348 | 0.39% |
| SHANNON S KNAPPS3 | 11015 MCCULOUGH RD ZACHARY, LA 70791 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $124 | — | $124 | 0.14% |
| LEE E FRITZE3 | 150 TUDOR AVE NEW ORLEANS, LA 70123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $79 | — | $79 | 0.09% |
| WHITNEY FRITZE3 | 150 TUDOR AVE NEW ORLEANS, LA 70123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | — | $55 | 0.06% |
| RUTHIE A LAGRONE3 | 3255 MORNING GLORY AVE BATON ROUGE, LA 70808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 0.03% |
| CHARLINE PARKER3 | 11136 HIGHWAY 28 BOYCE, LA 71409 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.03% |
| JS YOUNG AND ASSOCIATES3 | 1040 CYPRESS CROSSING DR MADISONVILLE, LA 70447 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| J MICHAEL NORRIS INC3 | 731 AVIGNON DR STE 1 RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| KATIE MULLINS WALDROP3 | 1042 POPLAR SPRINGS RD MENDENHALL, MS 39114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| COREY JOHNSON3 | 18225 JULIETTE BABIN DR PRAIRIEVILLE, LA 70769 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| SEHC BENEFITS LLC3 | 211 SAWBRIDGE DR RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| DONALD R MASSAD, APC3 | 6700 JEFFERSON HWY BLDG 7, STE C BATON ROUGE, LA 70806 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 9.19% |
| 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% |
| ENROLLEASE3 | 660 YORK STREET STE 102 SAN FRANCISCO, CA 94110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $349 | — | $349 | 2.72% |
| THE PRODUCERS GROUP, INC3 Filed as: THE PRODUCERS GROUP | 151 POMPANO DR HATTIESBURG, MS 39402 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17 | — | $17 | 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 | 238 | 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) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 119 | $696K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 238 | $82K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 238 | $82K |
| Life insurance(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 238 | $184K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 119 | $696K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 238 | $171K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 238 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.