| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN LOCKARD | — | BLUE CROSS BLUE SHIELD OF MS, INC | $51K | — | $51K | 2.74% |
| LOCKARD & WILLIAMS INSURANCE SERVIC3 | PO BOX 1688 PASCAGOULA, MS 39568 | SUN LIFE ASSURANCE COMPANY OF CANADA | $23K | — | $23K | 13.31% |
| LOCKARD & WILLIAMS INSURANCE SVS PA3 Filed as: LOCKARD & WILLIAMS INSURANCE SVCS | PO BOX 1688 PASCAGOULA, MS 39568 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 8.30% |
| WAYNE C KIM3 | 15043 SAGEWOOD STREET GULFPORT, MS 39503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.28% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSURANCE SERVICES INC | PO BOX 14207 JACKSON, MS 39236 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.11% |
| LARRY E REXFORD3 | 130 BRENTWOOD BOULEVARD GULFPORT, MS 39503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $813 | — | $813 | 1.27% |
| MARK BUTLER INC3 Filed as: MARK D BUTLER | 13155 HIGHWAY 67 SUITE D BILOXI, MS 39532 | CONTINENTAL AMERICAN INSURANCE COMPANY | $236 | — | $236 | 0.37% |
| MARK BUTLER INC3 Filed as: MARK D BUTLER | 13155 HIGHWAY 67 SUITE D BILOXI, MS 39532 | CONTINENTAL AMERICAN INSURANCE COMPANY | $217 | — | $217 | 0.34% |
| 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 | 20.00% |
| 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 | 20.00% |
| LOCKARD & WILLIAMS INSURANCE SERVIC3 | PO BOX 1688 PASCAGOULA, MS 39568 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| LOCKARD & WILLIAMS INSURANCE SVS PA3 Filed as: LOCKARD & WILLIAMS INS SVCS PA | PO BOX 1688 PASCAGOULA, MS 39568 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| LOCKARD & WILLIAMS INSURANCE SERVIC3 | PO BOX 1688 PASCAGOULA, MS 39568 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $731 | — | $731 | 20.01% |
| LOCKARD & WILLIAMS INSURANCE SVS PA3 Filed as: LOCKARD & WILLIAMS INS SVCS PA | PO BOX 1688 PASCAGOULA, MS 39568 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $517 | — | $517 | 19.99% |
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 | 234 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MS, INC | 654 | $1.9M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 449 | $170K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 449 | $170K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 231 | $39K |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 82 | $39K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 39 | $12K |
| Other(3 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 231 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 654 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.