| 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 | $67K | — | $67K | 3.77% |
| LOCKARD & WILLIAMS INSURANCE SVS PA3 Filed as: LOCKARD & WILLIAMS INSURANCE S | 1505 JACKSON AVENUE PASCAGOULA, MS 39567 | STARMOUNT LIFE INSURANCE COMPANY | $20K | — | $20K | 11.72% |
| LOCKARD & WILLIAMS INSURANCE SERVIC3 | 1505 JACKSON AVENUE PASCAGOULA, MS 39567 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 14.76% |
| LOCKARD & WILLIAMS INSURANCE SVS PA3 Filed as: LOCKARD & WILLIAMS INSURANCE SERVI | PO BOX 1688 PASCAGOULA, MS 39568 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 5.47% |
| WAYNE C KIM3 | 15043 SAGEWOOD STREET GULFPORT, MS 39503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.10% |
| BRENNAN KIM3 | 15043 SAGEWOOD STREET GULFPORT, MS 39503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.52% |
| NICOLE R HUFFMAN3 | 324 PINE STREET ST SIMONS ISLAND, GA 31577 | CONTINENTAL AMERICAN INSURANCE COMPANY | $280 | — | $280 | 0.35% |
| LINDSEY MARIE DUFEK3 | 1009 PELICAN COVE OCEAN SPRINGS, MS 39564 | CONTINENTAL AMERICAN INSURANCE COMPANY | $240 | — | $240 | 0.30% |
| LOCKARD & WILLIAMS INSURANCE SERVIC3 | PO BOX 1688 PASCAGOULA, MS 39568 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | — | $16K | 20.00% |
| LOCKARD & WILLIAMS INSURANCE SERVIC3 | 1505 JACKSON AVENUE PASCAGOULA, MS 39567 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.00% |
| LOCKARD & WILLIAMS INSURANCE SVS PA3 Filed as: LOCKARD & WILLIAMS INS SERVICES P A | PO BOX 1688 PASCAGOULA, MS 39568 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 25.80% |
| WAYNE C KIM3 | 15043 SAGEWOOD STREET GULFPORT, MS 39503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 8.94% |
| JOEL KEITH ANDERSON3 | 715 EAST 2ND STREET PASS CHRISTIAN, MS 39571 | CONTINENTAL AMERICAN INSURANCE COMPANY | $600 | — | $600 | 4.85% |
| BRENNAN KIM3 Filed as: BRENNAN W KIM | 15043 SAGEWOOD STREET GULFPORT, MS 39503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $158 | — | $158 | 1.28% |
| NICOLE R HUFFMAN3 | 220 OLD BRIDGE STREET JACKSONVILLE, NC 28540 | CONTINENTAL AMERICAN INSURANCE COMPANY | $77 | — | $77 | 0.62% |
| LARRY E REXFORD3 | 130 BRENTWOOD BOULEVARD GULFPORT, MS 39503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | — | $35 | 0.28% |
| MARK BUTLER INC3 Filed as: MARK D BUTLER | 15095 WOODWIND CV BILOXI, MS 39532 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | — | $25 | 0.20% |
| MARK BUTLER INC3 Filed as: MARK D BUTLER | 13155 HIGHWAY 67 SUITE D BILOXI, MS 39532 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.06% |
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 | 532 | 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) | 532 | 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 | 450 | $1.8M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 345 | $174K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 345 | $174K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 532 | $160K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 23 | $19K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 23 | $19K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 532 | $252K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 532 | — |
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.