| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN LOCKARD | — | BLUE CROSS BLUE SHIELD OF MS, INC | $84K | — | $84K | 2.85% |
| LOCKARD & WILLIAMS INSURANCE SERVIC3 | PO BOX 1688 PASCAGOULA, MS 39568 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 11.32% |
| LOCKARD & WILLIAMS INSURANCE SVS PA3 Filed as: LOCKARD & WILLIAMS INSURANCE SVCS | PO BOX 1688 PASCAGOULA, MS 39568 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 10.03% |
| WAYNE C KIM3 | 15043 SAGEWOOD STREET GULFPORT, MS 39503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 4.04% |
| BRENNAN KIM3 Filed as: BRENNAN W KIM | 15043 SAGEWOOD STREET GULFPORT, MS 39503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.73% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSURANCE SERVICES INC | PO BOX 14207 JACKSON, MS 39236 | CONTINENTAL AMERICAN INSURANCE COMPANY | $430 | — | $430 | 0.62% |
| MARK BUTLER INC3 Filed as: MARK D BUTLER | 15095 WOODWIND CV BILOXI, MS 39532 | CONTINENTAL AMERICAN INSURANCE COMPANY | $394 | — | $394 | 0.57% |
| LARRY E REXFORD3 | 130 BRENTWOOD BOULEVARD GULFPORT, MS 39503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $182 | — | $182 | 0.26% |
| MARK BUTLER INC3 Filed as: MARK D BUTLER | 13155 HIGHWAY 67 SUITE D BILOXI, MS 39532 | CONTINENTAL AMERICAN INSURANCE COMPANY | $66 | — | $66 | 0.10% |
| LOCKARD & WILLIAMS INSURANCE SVS PA3 Filed as: LOCKARD & WILLIAMS INS SVCS PA | PO BOX 1688 PASCAGOULA, MS 39568 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 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 SVS PA3 Filed as: LOCKARD & WILLIAMS INS SVCS PA | PO BOX 1688 PASCAGOULA, MS 39568 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 20.00% |
| LOCKARD & WILLIAMS INSURANCE SERVIC3 | PO BOX 1688 PASCAGOULA, MS 39568 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $918 | — | $918 | 19.99% |
| LOCKARD & WILLIAMS INSURANCE SVS PA3 Filed as: LOCKARD & WILLIAMS INS SVCS PA | PO BOX 1688 PASCAGOULA, MS 39568 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $402 | — | $402 | 19.99% |
| LOCKARD & WILLIAMS INSURANCE SERVIC3 | PO BOX 1688 PASCAGOULA, MS 39568 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $35 | — | $35 | 20.11% |
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 | 224 | 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) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MS, INC | 514 | $3.0M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 391 | $90K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 391 | $90K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 123 | $40K |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 79 | $31K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 49 | $8K |
| Other(3 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 174 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 514 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.