| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATTERSON CONSULTING SERVICES, LLC3 Filed as: PATTERSON CONSULTING | 820 OAK HARBOR BLVD STE 1 SLIDELL, LA 70458 | CIGNA GROUP INSURANCE | $223K | $23K | $246K | 19.74% |
| DAMON MARK PATTERSON3 Filed as: DAMON PATTERSON | 1476 ROYAL PALM DRIVE SLIDELL, LA 70458 | DELTA DENTAL OF MISSOURI | $112K | $8K | $119K | 10.64% |
| PATTERSON CONSULTING SERVICES, LLC3 Filed as: PATTERSON CONSULTING SERVICES LLC | 1476 ROYAL PALM DRIVE SLIDELL, LA 70458 | SUN LIFE ASSURANCE COMPANY OF CANADA | $175K | — | $175K | 22.93% |
| DAMON MARK PATTERSON3 | 1476 ROYAL PALM DR. SLIDELL, LA 70458 | UNUM LIFE | $28K | $535 | $28K | 5.30% |
| NATIONAL BENEFITS GROUP3 | 3102 W. WATERS AVENUE SUITE 103 TAMPA, FL 33614 | UNUM LIFE | $24K | $3K | $27K | 5.13% |
| STEVEN RAY GRIFFIN3 Filed as: STEVEN GRIFFIN | 2000 MORRIS AVENUE SUITE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE | $27K | $250 | $27K | 5.11% |
| DAMON MARK PATTERSON3 Filed as: DAMON PATTERSON | 1476 ROYAL PALM SLIDELL, LA 70458 | PROVIDENT LIFE | $40K | $1K | $41K | 9.50% |
| NATIONAL BENEFITS GROUP3 | 3102 W WATERS AVENUE SUITE 103 TAMPA, FL 33614 | PROVIDENT LIFE | $39K | $2K | $41K | 9.40% |
| STEVEN RAY GRIFFIN3 Filed as: STEVEN GRIFFIN | 2000 MORRIS AVENUE SUITE 1400 BIRMINGHAM, AL 35203 | PROVIDENT LIFE | $10K | — | $10K | 2.36% |
| 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 | — | $587K |
| HEALTHLINK, INC EIN 43-1364135 NETWORK ADMINISTRATOR | Contract Administrator Service code 13 | 1831 CHESTNUT STREET ST. LOUIS, MO 63103 | $179K |
| CIGNA BEHAVIORAL HEALTH EIN 41-1648670 CLAIMS PROCESSING | Claims processing; Contract Administrator; Direct payment from the plan; Participant communication Service code 12 | — | $49K |
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 | 2,158 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 1,654 | $1.1M |
| Vision | VISION SERVICE PLAN | 1,509 | $190K |
| Life insurance(4 contracts, 4 carriers) | CIGNA GROUP INSURANCE | 2,158 | $3.0M |
| Short-term disability | CIGNA GROUP INSURANCE | 2,158 | $1.2M |
| Long-term disability | CIGNA GROUP INSURANCE | 2,158 | $1.2M |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,112 | $764K |
| Other | UNUM LIFE | 1,846 | $531K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,158 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.