| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAMON MARK PATTERSON3 Filed as: DAMON PATTERSON | 1476 ROYAL PALM DRIVE SLIDELL, LA 70458 | DELTA DENTAL OF MISSOURI | $204K | — | $204K | 9.97% |
| PATTERSON CONSULTING SERVICES, LLC3 Filed as: PATTERSON CONSULTING SERVICES LLC | 1476 ROYAL PALM DRIVE SLIDELL, LA 70458 | SUN LIFE ASSURANCE COMPANY OF CANADA | $128K | — | $128K | 14.95% |
| PATTERSON CONSULTING SERVICES, LLC3 Filed as: PATTERSON CONSULTING | 820 OAK HARBOR BLVD STE 1 SLIDELL, LA 70458 | CIGNA GROUP INSURANCE | $115K | $13K | $128K | 18.85% |
| NATIONAL BENEFITS GROUP3 | 3102 W. WATERS AVENUE SUITE 103 TAMPA, FL 33614 | UNUM LIFE | $69K | $665 | $69K | 11.59% |
| DAMON MARK PATTERSON3 | 1476 ROYAL PALM DR. SLIDELL, LA 70458 | UNUM LIFE | $43K | — | $43K | 7.11% |
| STEVEN RAY GRIFFIN3 Filed as: STEVEN GRIFFIN | 2000 MORRIS AVENUE SUITE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE | $34K | $1K | $36K | 5.93% |
| DAMON MARK PATTERSON3 Filed as: DAMON PATTERSON | 1476 ROYAL PALM SLIDELL, LA 70458 | PROVIDENT LIFE | $77K | $3K | $80K | 16.71% |
| NATIONAL BENEFITS GROUP3 | 3102 W WATERS AVENUE SUITE 103 TAMPA, FL 33614 | PROVIDENT LIFE | $71K | $6K | $76K | 15.94% |
| STEVEN RAY GRIFFIN3 Filed as: STEVEN GRIFFIN | 2000 MORRIS AVENUE SUITE 1400 BIRMINGHAM, AL 35203 | PROVIDENT LIFE | $16K | -$428 | $16K | 3.33% |
| DAMON MARK PATTERSON3 Filed as: DAMON PATTERSON | 1476 ROYAL PALM STREET SLIDELL, LA 70458 | VISION SERVICE PLAN | $28K | — | $28K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHSCOPE BENEFITS, INC. EIN 71-0847266 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $518K |
| HEALTHLINK, INC EIN 43-1364135 NETWORK ADMINISTRATOR | Contract Administrator Service code 13 | 1831 CHESTNUT STREET ST. LOUIS, MO 63103 | $186K |
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 | 3,986 | 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) | 3,986 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 3,986 | $2.0M |
| Vision | VISION SERVICE PLAN | 1,478 | $188K |
| Life insurance(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,775 | $1.9M |
| Short-term disability | CIGNA GROUP INSURANCE | 1,784 | $680K |
| Long-term disability | CIGNA GROUP INSURANCE | 1,784 | $680K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,651 | $858K |
| Other | UNUM LIFE | 1,775 | $599K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,986 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.