| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN LOCKARD | — | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI, A MUTUAL INSURANCE COMPANY | $59K | — | $59K | 2.98% |
| LOCKARD & WILLIAMS INSURANCE SVS PA3 Filed as: LOCKARD & WILLIAMS INSURANCE S | — | DELTA DENTAL INSURANCE COMPANY | $11K | — | $11K | 9.99% |
| LOCKARD & WILLIAMS INSURANCE SVS PA3 Filed as: LOCKARD WILLIAMS INSURA- | LOCKARD WILLIAMS INSURANCE PASCAGOULA, MS 39568 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $19K | — | $19K | 19.92% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | GIS BENEFITS INC MORRIS, IA 60450 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 5.39% |
| LOCKARD & WILLIAMS INSURANCE SERVIC3 | DBA 90 DEGREE BENEFITS PO BOX 1688 PASCAGOULA, MS 39568 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 8.63% |
| WAYNE C KIM3 | 15043 SAGEWOOD STREET GULFPORT, MS 39503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 3.76% |
| WAYNE C KIM3 | 15043 SAGEWOOD STREET GULFPORT, MS 39503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.63% |
| BRENNAN KIM3 | 15043 SAGEWOOD STREET GULFPORT, MS 39503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $538 | — | $538 | 0.78% |
| LARRY E REXFORD3 Filed as: LARRY EDWARD REXFORD | 130 BRENTWOOD BOULEVARD GULFPORT, MS 39503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $390 | — | $390 | 0.57% |
| WAYNE C KIM3 | 15043 SAGEWOOD STREET GULFPORT, MS 39503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $355 | — | $355 | 0.52% |
| NICOLE R HUFFMAN3 | 641 SUFFOLK ROAD JOHNSON CITY, TN 37615 | CONTINENTAL AMERICAN INSURANCE COMPANY | $329 | — | $329 | 0.48% |
| LINDSEY MARIE DUFEK3 | 1009 PELICAN COVER OCEAN SPRING, MS 39564 | CONTINENTAL AMERICAN INSURANCE COMPANY | $304 | — | $304 | 0.44% |
| ROBERT GUY FAIRLEY3 | 1317 DR CAMPBELL DR OCEAN SPRINGS, MS 39564 | CONTINENTAL AMERICAN INSURANCE COMPANY | $213 | — | $213 | 0.31% |
| J NELSON LLC3 Filed as: J. NELSON, LLC | 110 MESSEMORE ROAD ELLISVILLE, MS 39437 | CONTINENTAL AMERICAN INSURANCE COMPANY | $125 | — | $125 | 0.18% |
| JOEL KEITH ANDERSON3 | 715 EAST 2ND STREET PASS CHRISTIAN, MS 39571 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.02% |
| LINDSEY MARIE DUFEK3 Filed as: LINDSEY M DUFEK LLC | 1009 PELICAN COVE OCEAN SPRINGS, MS 39564 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.02% |
| LOCKARD & WILLIAMS INSURANCE SVS PA3 Filed as: LOCKARD & WILLIAMS INS SVCS PA | PO BOX 1688 PASCAGOULA, MS 39568 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| LOCKARD & WILLIAMS INSURANCE SVS PA3 Filed as: LOCKARD & WILLIAMS INS SVCS PA | PO BOX 1688 PASCAGOULA, MS 39568 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| LOCKARD & WILLIAMS INSURANCE SERVIC3 | PO BOX 1688 PASCAGOULA, MS 39568 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 9.65% |
| LOCKARD & WILLIAMS INSURANCE SVS PA3 Filed as: LOCKARD & WILLIAMS INS SVCS PA | PO BOX 1688 PASCAGOULA, MS 39568 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $468 | — | $468 | 14.99% |
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 | 474 | 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) | 474 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI, A MUTUAL INSURANCE COMPANY | 382 | $2.0M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 307 | $111K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 471 | $28K |
| Life insurance(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 508 | $97K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 120 | $46K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 138 | $32K |
| Other(3 contracts, 3 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 508 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 508 | — |
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.