| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAMON MARK PATTERSON3 | 1476 ROYAL PALM DRIVE SLIDELL, LA 70458 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $65K | $426 | $65K | 8.86% |
| NATIONAL BENEFITS GROUP OF AMERICA3 | 3102 W WATERS AVE. STE. 103 TAMPA, FL 33614 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $55K | $5K | $61K | 8.22% |
| STEVEN RAY GRIFFIN3 | 2000 MORRIS AVE. STE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $20 | $11K | 1.45% |
| DIRECTPATH, LLC3 | 120 18TH ST. S STE 102 BIRMINGHAM, AL 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $114 | $6 | $120 | 0.02% |
| DAMON MARK PATTERSON3 | 1476 ROYAL PALM DRIVE SLIDELL, LA 70458 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $38K | $326 | $38K | 8.43% |
| NATIONAL BENEFITS GROUP OF AMERICA3 | 3102 W WATERS AVE. STE. 103 TAMPA, FL 33614 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $32K | $2K | $34K | 7.58% |
| STEVEN RAY GRIFFIN3 | 2000 MORRIS AVE. STE 1400 BIRMINGHAM, AL 35203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 1.38% |
| DIRECTPATH, LLC3 | 120 18TH ST. S STE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 0.56% |
| PATTERSON CONSULTING SERVICES, LLC3 | 1476 ROYAL PALM DRIVE SLIDELL, LA 70458 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $87K | — | $87K | 20.00% |
| PATTERSON CONSULTING SERVICES, LLC3 | 1476 ROYAL PALM DRIVE SLIDELL, LA 70458 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $53K | — | $53K | 14.99% |
| PATTERSON CONSULTING SERVICES, LLC3 | 1476 ROYAL PALM DRIVE SLIDELL, LA 70458 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $44K | — | $44K | 15.00% |
| DAMON MARK PATTERSON3 Filed as: DAMON PATTERSON | 1476 ROYAL PALM ST. SLIDELL, LA 704588825 | VISION SERVICE PLAN | $28K | — | $28K | 19.00% |
| DAMON MARK PATTERSON3 | 1476 ROYAL PALM DRIVE SLIDELL, LA 70458 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.05% |
| PATTERSON CONSULTING SERVICES, LLC3 | 1476 ROYAL PALM DRIVE SLIDELL, LA 70458 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.00% |
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 | 1,645 | 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) | 1,645 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,452 | $147K |
| Life insurance(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 1,645 | $809K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,645 | $295K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,645 | $434K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,111 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,111 | — |
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.