| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATTERSON CONSULTING SERVICES, LLC3 Filed as: PATTERSON, DAMON | 213 CONRAD STREET NEW ORLEANS, LA 70124 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $116K | — | $116K | 9.13% |
| NATIONAL BENEFITS GROUP OF AMERICA3 | 3102 WEST WATERS AVENUE SUITE 103 TAMPA, FL 33614 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $45K | $3K | $48K | 7.52% |
| PATTERSON CONSULTING SERVICES, LLC3 Filed as: PATTERSON, DAMON, MARK | 213 CONRAD STREET NEW ORLEANS, LA 70124 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $45K | $974 | $46K | 7.26% |
| GRIFFIN, STEVEN, RAY3 | 2000 MORRIS AVENUE SUITE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $3 | $1K | 0.16% |
| PATTERSON CONSULTING SERVICES, LLC3 Filed as: PATTERSON CONSULTING SERVICES LLC | 213 CONRAD STREET NEW ORLEANS, LA 70124 | SUN LIFE ASSURANCE COMPANY OF CANADA | $90K | — | $90K | 14.99% |
| PATTERSON CONSULTING SERVICES, LLC3 Filed as: PATTERSON CONSULTING SERVICES | 213 CONRAD STREET NEW ORLEANS, LA 70124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $38K | — | $38K | 7.50% |
| NATIONAL BENEFITS GROUP OF AMERICA3 | 3102 WEST WATERS AVENUE SUITE 103 TAMPA, FL 33614 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $29K | $2K | $31K | 7.21% |
| PATTERSON CONSULTING SERVICES, LLC3 Filed as: PATTERSON, DAMON, MARK | 213 CONRAD STREET NEW ORLEANS, LA 70124 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $30K | $757 | $31K | 7.17% |
| GRIFFIN, STEVEN, RAY3 | 2000 MORRIS AVENUE SUITE 1400 BIRMINGHAM, AL 35203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 1.68% |
| DAMON MARK PATTERSON3 Filed as: DAMON PATTERSON | 213 CONRAD STREET NEW ORLEANS, LA 70124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $73K | — | $73K | 24.94% |
| PATTERSON CONSULTING SERVICES, LLC3 Filed as: PATTERSON CONSULTING SERVICES | 213 CONRAD STREET NEW ORLEANS, LA 70124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $67K | — | $67K | 25.00% |
| PATTERSON CONSULTING SERVICES, LLC3 | 213 CONRAD STREET NEW ORLEANS, LA 70124 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $24K | — | $24K | 10.00% |
| PATTERSON CONSULTING SERVICES, LLC3 Filed as: PATTERSON CONSULTING SERVICES LLC | 213 CONRAD STREET NEW ORLEANS, LA 70124 | SUN LIFE ASSURANCE COMPANY OF CANADA | $39K | — | $39K | 24.81% |
| DAMON MARK PATTERSON3 Filed as: DAMON PATTERSON | 213 CONRAD STREET NEW ORLEANS, LA 70124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 25.00% |
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 | 1,876 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,877 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,730 | $1.3M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,602 | $241K |
| Life insurance(3 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 2,180 | $880K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,032 | $512K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,157 | $270K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,876 | $603K |
| Other(5 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,180 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,180 | — |
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.