| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATTERSON CONSULTING SERVICES, LLC3 | 820 OAK HARBOR BLVD., STE. 1 SLIDELL, LA 70458 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $70K | $6K | $76K | 21.79% |
| PATTERSON CONSULTING SERVICES, LLC3 | 820 OAK HARBOR BLVD., STE. 1 SLIDELL, LA 70458 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $38K | $4K | $42K | 16.48% |
| PATTERSON CONSULTING SERVICES, LLC3 | 820 OAK HARBOR BLVD., STE. 1 SLIDELL, LA 70458 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $30K | $4K | $33K | 16.76% |
| PATTERSON CONSULTING SERVICES, LLC3 | 1476 ROYAL PALM DRIVE SLIDELL, LA 70458 | NATIONAL GUARDIAN LIFE | $3K | — | $3K | 12.00% |
| DAMON MARK PATTERSON3 Filed as: DAMON M PATTERSON | 1476 ROYAL PALM DRIVE SLIDELL, LA 70458 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 16.21% |
| PATTERSON CONSULTING SERVICES, LLC3 | 820 OAK HARBOR BLVD., STE. 1 SLIDELL, LA 70458 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $225 | $2K | 16.56% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 ADMINISTRATIVE FEES | Investment management Service code 28 | — | $714K |
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 | 1,697 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,697 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 1,443 | $177K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,443 | $256K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,443 | $199K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,443 | $350K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,443 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,443 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.