| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEVEN RAY GRIFFIN3 | 2000 MORRIS AVE. STE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $65K | $9K | $75K | 12.26% |
| DAMON MARK PATTERSON3 | 1476 ROYAL PALM DRIVE SLIDELL, LA 70458 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $62K | $2K | $64K | 10.51% |
| DIRECTPATH, LLC3 | 120 18TH ST. S STE 102 BIRMINGHAM, AL 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $74 | $4K | 0.73% |
| NATIONAL BENEFITS GROUP OF AMERICA3 | 3102 W WATERS AVE. STE. 103 TAMPA, FL 33614 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9 | $1 | $10 | 0.00% |
| STEVEN RAY GRIFFIN3 | 2000 MORRIS AVE. STE 1400 BIRMINGHAM, AL 35203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $45K | $5K | $50K | 12.27% |
| DAMON MARK PATTERSON3 | 1476 ROYAL PALM DRIVE SLIDELL, LA 70458 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $44K | $1K | $46K | 11.25% |
| DIRECTPATH, LLC3 | 120 18TH ST. S STE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 0.76% |
| PATTERSON CONSULTING SERVICES, LLC3 | 820 OAK HARBOR BLVD., STE. 1 SLIDELL, LA 70458 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $78K | $7K | $85K | 21.78% |
| PATTERSON CONSULTING SERVICES, LLC3 | 1476 ROYAL PALM DRIVE SLIDELL, LA 70458 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $49K | $5K | $55K | 16.59% |
| PATTERSON CONSULTING SERVICES, LLC3 | 820 OAK HARBOR BLVD., STE. 1 SLIDELL, LA 70458 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $37K | $4K | $41K | 16.60% |
| DAMON MARK PATTERSON3 Filed as: DAMON PATTERSON | 1476 ROYAL PALM ST. SLIDELL, LA 704588825 | VISION SERVICE PLAN | $30K | — | $30K | 19.00% |
| PATTERSON CONSULTING SERVICES, LLC3 | 820 OAK HARBOR BLVD., STE. 1 SLIDELL, LA 70458 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $292 | $4K | 16.05% |
| DAMON MARK PATTERSON3 | 1476 ROYAL PALM DRIVE SLIDELL, LA 70458 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 ADMINISTRATIVE FEES | Investment management Service code 28 | — | $685K |
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 | 1,696 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,704 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,490 | $157K |
| Life insurance(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 1,704 | $735K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,704 | $250K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,704 | $392K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,316 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,316 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.