| 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 | $233K | $7K | $240K | 21.80% |
| DAMON MARK PATTERSON3 Filed as: DAMON PATTERSON | 1476 ROYAL PALM DRIVE SLIDELL, LA 70458 | DELTA DENTAL OF MISSOURI | $110K | $25K | $135K | 13.25% |
| PATTERSON CONSULTING SERVICES, LLC3 Filed as: PATTERSON CONSULTING SERVICES LLC | 1476 ROYAL PALM DRIVE SLIDELL, LA 70458 | SUN LIFE ASSURANCE COMPANY OF CANADA | $103K | — | $103K | 17.28% |
| DAMON MARK PATTERSON3 | 1476 ROYAL PALM DR. SLIDELL, LA 70458 | UNUM LIFE | $47K | $2K | $48K | 8.52% |
| NATIONAL BENEFITS GROUP3 | 3102 W. WATERS AVENUE SUITE 103 TAMPA, FL 33614 | UNUM LIFE | $43K | $4K | $47K | 8.33% |
| STEVEN RAY GRIFFIN3 Filed as: STEVEN GRIFFIN | 2000 MORRIS AVENUE SUITE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE | $14K | $39 | $14K | 2.56% |
| DAMON MARK PATTERSON3 Filed as: DAMON PATTERSON | 1476 ROYAL PALM SLIDELL, LA 70458 | PROVIDENT LIFE | $43K | $1K | $44K | 9.61% |
| NATIONAL BENEFITS GROUP3 | 3102 W WATERS AVENUE SUITE 103 TAMPA, FL 33614 | PROVIDENT LIFE | $42K | $2K | $44K | 9.58% |
| STEVEN RAY GRIFFIN3 Filed as: STEVEN GRIFFIN | 2000 MORRIS AVENUE SUITE 1400 BIRMINGHAM, AL 35203 | PROVIDENT LIFE | $10K | — | $10K | 2.25% |
| DAMON MARK PATTERSON3 Filed as: DAMON PATTERSON | 1476 ROYAL PALM STREET SLIDELL, LA 70458 | VISION SERVICE PLAN | $30K | — | $30K | 14.85% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHSCOPE BENEFITS, INC. EIN 71-0847266 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $708K |
| 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 | Participant communication; Contract Administrator; Direct payment from the plan; Claims processing 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 | 2,392 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,421 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 1,721 | $1.0M |
| Vision | VISION SERVICE PLAN | 1,549 | $201K |
| Life insurance(4 contracts, 4 carriers) | CIGNA GROUP INSURANCE | 2,392 | $2.7M |
| Short-term disability | CIGNA GROUP INSURANCE | 2,392 | $1.1M |
| Long-term disability | CIGNA GROUP INSURANCE | 2,392 | $1.1M |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,164 | $598K |
| Other | UNUM LIFE | 1,667 | $566K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,392 | — |
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.