| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAMON MARK PATTERSON3 Filed as: DAMON PATTERSON | 213 CONRAD STREET NEW ORLEANS, LA 70124 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $115K | $11K | $126K | 10.82% |
| PATTERSON CONSULTING SERVICES, LLC3 Filed as: PATTERSON, DAMON | 213 CONRAD STREET NEW ORLEANS, LA 70124 | HCC LIFE INSURANCE COMPANY | $90K | — | $90K | 15.00% |
| DAMON MARK PATTERSON3 | 213 CONRAD STREET NEW ORLEANS, LA 70124 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $79 | $16K | 3.02% |
| NATIONAL BENEFITS GROUP OF AMERICA3 | 3102 WEST WATERS AVENUE SUITE 103 TAMPA, FL 33614 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $192 | $16K | 3.01% |
| STEVEN RAY GRIFFIN3 | 2000 MORRIS AVENUE SUITE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $778 | — | $778 | 0.15% |
| PATTERSON CONSULTING SERVICES, LLC3 Filed as: PATTERSON CONSULTING SERV | 213 CONRAD STREET NEW ORLEANS, LA 70124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $39K | $10K | $49K | 9.46% |
| DAMON MARK PATTERSON3 | 213 CONRAD STREET NEW ORLEANS, LA 70124 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $55 | $8K | 2.20% |
| NATIONAL BENEFITS GROUP OF AMERICA3 | 3102 WEST WATERS AVENUE SUITE 103 TAMPA, FL 33614 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $132 | $7K | 1.97% |
| STEVEN RAY GRIFFIN3 | 2000 MORRIS AVENUE SUITE 1400 BIRMINGHAM, AA 35203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 1.75% |
| PATTERSON CONSULTING SERVICES, LLC3 Filed as: PATTERSON CONSULTING SERV | 213 CONRAD STREET NEW ORLEANS, LA 70124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $82K | $5K | $87K | 26.56% |
| DAMON MARK PATTERSON3 Filed as: DAMON PATTERSON | 213 CONRAD STREET NEW ORLEANS, LA 70124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $79K | $5K | $84K | 26.67% |
| PATTERSON CONSULTING SERVICES, LLC3 | 213 CONRAD STREET NEW ORLEANS, LA 70124 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $25K | — | $25K | 10.00% |
| DAMON MARK PATTERSON3 Filed as: DAMON PATTERSON | 213 CONRAD STREET NEW ORLEANS, LA 70124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $34K | $4K | $38K | 27.69% |
| DAMON MARK PATTERSON3 Filed as: DAMON PATTERSON | 213 CONRAD STREET NEW ORLEANS, LA 70124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $573 | $8K | 26.88% |
| DAMON MARK PATTERSON3 Filed as: DAMON PATTERSON | 213 CONRAD STREET NEW ORLEANS, LA 70124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $1K | $8K | 28.89% |
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 | 2,120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,743 | $1.2M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,568 | $247K |
| Life insurance(3 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 1,835 | $805K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,998 | $523K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,998 | $853K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 1,867 | $601K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,835 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,998 | — |
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."
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.