| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAMON MARK PATTERSON3 | 213 CONRAD ST NEW ORLEANS, LA 70124 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $63K | $2K | $65K | 9.04% |
| NATIONAL BENEFITS GROUP OF AMERICA3 | 3102 W WATERS AVE. STE. 103 TAMPA, FL 33614 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $58K | $5K | $63K | 8.80% |
| STEVEN RAY GRIFFIN3 | 2000 MORRIS AVE. STE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 0.69% |
| DAMON MARK PATTERSON3 | 213 CONRAD ST NEW ORLEANS, LA 70124 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $37K | $948 | $37K | 8.77% |
| NATIONAL BENEFITS GROUP OF AMERICA3 | 3102 W WATERS AVE. STE. 103 TAMPA, FL 33614 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $32K | $2K | $35K | 8.16% |
| STEVEN RAY GRIFFIN3 | 2000 MORRIS AVE. STE 1400 BIRMINGHAM, AL 35203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 1.08% |
| DIRECTPATH, LLC3 | 120 18TH ST. S STE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.38% |
| PATTERSON CONSULTING SERVICES, LLC3 | 213 CONRAD ST NEW ORLEANS, LA 701242337 | METROPOLITAN LIFE INSURANCE COMPANY | $39K | — | $39K | 10.39% |
| PATTERSON CONSULTING SERVICES, LLC3 | 213 CONRAD ST NEW ORLEANS, LA 70124 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $54K | — | $54K | 20.00% |
| PATTERSON CONSULTING SERVICES, LLC3 | 213 CONRAD ST NEW ORLEANS, LA 70124 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $34K | — | $34K | 15.00% |
| DAMON MARK PATTERSON3 Filed as: DAMON PATTERSON | 213 CONRAD ST NEW ORLEANS, LA 701242337 | UNITED HEALTHCARE INSURANCE COMPANY | $30K | — | $30K | 20.00% |
| DAMON MARK PATTERSON3 Filed as: DAMON M PATTERSON | 213 CONRAD ST NEW ORLEANS, LA 70124 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 15.95% |
| SMARTBEN, INC C/O HODGES-MACE LLC3 Filed as: SMARTBEN INC | 5775 E GLENRIDGE DR STE 500 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 8.08% |
| PATTERSON CONSULTING SERVICES, LLC3 | 213 CONRAD ST NEW ORLEANS, LA 70124 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | — | $0 | 0.00% |
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 | 1,681 | 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) | 1,681 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 1,466 | $152K |
| Life insurance(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 3,078 | $806K |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 949 | $226K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 2,044 | $270K |
| Other(5 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,078 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,078 | — |
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.