| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NATIONAL BENEFITS GROUP OF AMERICA3 | 3102 W WATERS AVE. STE. 103 TAMPA, FL 33614 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $63K | $4K | $67K | 9.74% |
| DAMON MARK PATTERSON3 | 213 CONRAD ST NEW ORLEANS, LA 70124 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $65K | $353 | $66K | 9.57% |
| PLANSOURCE BENEFIT ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADMINISTRATION I | P. O. BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 0.37% |
| STEVEN RAY GRIFFIN3 | 2000 MORRIS AVE. STE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 0.32% |
| DIRECTPATH, LLC3 | 120 18TH ST. S STE 102 BIRMINGHAM, AL 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $110 | $6 | $116 | 0.02% |
| PATTERSON CONSULTING SERVICES, LLC3 | 213 CONRAD ST NEW ORLEANS, LA 70124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $81K | $12K | $93K | 22.91% |
| DAMON MARK PATTERSON3 Filed as: DAMON M PATTERSON | 213 CONRAD ST NEW ORLEANS, LA 70124 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $38K | $157 | $39K | 9.64% |
| NATIONAL BENEFITS GROUP OF AMERICA3 | 3102 W WATERS AVE. STE. 103 TAMPA, FL 33614 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $35K | $2K | $37K | 9.26% |
| STEVEN RAY GRIFFIN3 | 2000 MORRIS AVE. STE 1400 BIRMINGHAM, AL 35203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 1.05% |
| PLANSOURCE BENEFIT ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADMINISTRATION I | P. O. BOX 1313 ORLANDO, FL 32802 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.46% |
| DIRECTPATH, LLC3 | 120 18TH ST. S STE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.34% |
| PATTERSON CONSULTING SERVICES, LLC3 | 213 CONRAD ST NEW ORLEANS, LA 701242337 | METROPOLITAN LIFE INSURANCE COMPANY | $62K | — | $62K | 16.24% |
| PATTERSON CONSULTING SERVICES, LLC3 | 213 CONRAD ST NEW ORLEANS, LA 70124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $48K | $9K | $58K | 17.91% |
| DAMON MARK PATTERSON3 Filed as: DAMON M PATTERSON | 213 CONRAD ST NEW ORLEANS, LA 70124 | UNITED HEALTHCARE INSURANCE COMPANY | $36K | — | $36K | 20.00% |
| DAMON MARK PATTERSON3 Filed as: DAMON PATTERSON | 213 CONRAD ST NEW ORLEANS, LA 701242337 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 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 | 1,670 | 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) | 1,670 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 2,687 | $179K |
| Life insurance(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 3,221 | $780K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,670 | $322K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,670 | $407K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,221 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,221 | — |
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.