| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PCF INSURANCE SERVICES OF THE WEST3 | 213 CONRAD STREET NEW ORLEANS, LA 70124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $275K | $31K | $305K | 19.66% |
| PCF INSURANCE SERVICES OF THE WEST3 | 213 CONRAD STREET NEW ORLEANS, LA 70124 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $117K | $0 | $117K | 9.88% |
| PCF INSURANCE SERVICES OF THE WEST3 | 213 CONRAD STREET NEW ORLEANS, LA 70124 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $26K | $0 | $26K | 9.88% |
| DAMON MARK PATTERSON3 | 213 CONRAD STREET NEW ORLEANS, LA 70124 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $0 | $8K | 3.06% |
| NATIONAL BENEFITS GROUP OF AMERICA3 | 3820 NORTHDALE BOULEVARD, SUITE 103 TAMPA, FL 33624 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 1.23% |
| STEVEN RAY GRIFFIN3 | 2000 MORRIS AVENUE, SUITE 1400 BIRMINGHAM, AL 35203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 0.92% |
| DAMON MARK PATTERSON3 | 213 CONRAD STREET NEW ORLEANS, LA 70124 | UNUM INSURANCE COMPANY | $19K | $13K | $32K | 18.39% |
| DAMON MARK PATTERSON3 | 213 CONRAD STREET NEW ORLEANS, LA 70124 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 8.81% |
| NATIONAL BENEFITS GROUP OF AMERICA3 | 3820 NORTHDALE BOULEVARD, SUITE 103 TAMPA, FL 33624 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $856 | $3 | $859 | 1.42% |
| STEVEN RAY GRIFFIN3 | 2000 MORRIS AVENUE, SUITE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $597 | $0 | $597 | 0.98% |
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 | 984 | 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) | 984 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,610 | $1.2M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 3,782 | $262K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 984 | $1.8M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 984 | $1.6M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 984 | $1.6M |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,315 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,782 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.