| 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 | $63K | — | $63K | 3.44% |
| LOCKARD & WILLIAMS INSURANCE SVS PA3 Filed as: LOCKARD & WILLIAMS INSURANCE S | 1505 JACKSON AVENUE PASCAGOULA, MS 39567 | STARMOUNT LIFE INSURANCE COMPANY | $17K | — | $17K | 12.17% |
| LOCKARD & WILLIAMS INSURANCE SERVIC3 | PO BOX 1688 PASCAGOULA, MS 39568 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | — | $17K | 20.00% |
| LOCKARD & WILLIAMS INSURANCE SVS PA3 Filed as: LOCKARD & WILLIAMS INSURANCE S | 1505 JACKSON AVENUE PASCAGOULA, MS 39567 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 15.56% |
| LOCKARD & WILLIAMS INSURANCE SERVIC3 | 1505 JACKSON AVENUE PASCAGOULA, MS 39567 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 15.58% |
| LOCKARD & WILLIAMS INSURANCE SERVIC3 | PO BOX 1688 PASCAGOULA, MS 39568 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 7.76% |
| WAYNE C KIM3 | 15043 SAGEWOOD STREET GULFPORT, MS 39503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 3.27% |
| ROBERT GUY FAIRLEY3 | 1317 DR CAMPBELL DRIVE WIGGINS, MS 39577 | CONTINENTAL AMERICAN INSURANCE COMPANY | $354 | — | $354 | 1.05% |
| BRENNAN KIM3 | 15043 SAGEWOOD STREET GULFPORT, MS 39503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $116 | — | $116 | 0.35% |
| JOEL KEITH ANDERSON3 | 715 EAST 2ND STREET PASS CHRISTIAN, MS 39571 | CONTINENTAL AMERICAN INSURANCE COMPANY | $97 | — | $97 | 0.29% |
| J NELSON LLC3 Filed as: J. NELSON, LLC | 110 MESSEMORE ROAD ELLISVILLE, MS 39437 | CONTINENTAL AMERICAN INSURANCE COMPANY | $50 | — | $50 | 0.15% |
| NICOLE R HUFFMAN3 | 106 E CRANFORD AVENUE VALDOSTA, GA 31602 | CONTINENTAL AMERICAN INSURANCE COMPANY | $45 | — | $45 | 0.13% |
| MARK BUTLER INC3 Filed as: MARK D BUTLER | 171 AHERN DRIVE BILOXI, MS 39530 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31 | — | $31 | 0.09% |
| LARRY E REXFORD3 Filed as: LARRY EDWARD REXFORD | 130 BRENTWOOD BOULEVARD GULFPORT, MS 39503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | — | $23 | 0.07% |
| MARK BUTLER INC3 Filed as: MARK D BUTLER | 171 AHERN DRIVE BILOXI, MS 39530 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| WAYNE C KIM3 | 15043 SAGEWOOD STREET GULFPORT, MS 39503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| LOCKARD & WILLIAMS INSURANCE SERVIC3 | 1505 JACKSON AVENUE PASCAGOULA, MS 39567 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.27% |
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 | 434 | 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) | 434 | 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 | 421 | $1.8M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 328 | $141K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 328 | $141K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 517 | $150K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 179 | $100K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 179 | $100K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 517 | $184K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 517 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.