| 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 | $60K | — | $60K | 2.93% |
| LOCKARD & WILLIAMS INSURANCE SVS PA3 Filed as: LOCKARD & WILLIAMS INSURANCE S | — | DELTA DENTAL INSURANCE COMPANY | $12K | — | $12K | 10.00% |
| LOCKARD & WILLIAMS INSURANCE SERVIC3 | DBA 90 DEGREE BENEFITS PO BOX 1688 PASCAGOULA, MS 39568 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 6.67% |
| WAYNE C KIM3 | 15043 SAGEWOOD STREET GULFPORT, MS 39503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 3.95% |
| KIM BRENNAN3 | 15043 SAGEWOOD STREET GULFPORT, MS 39503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $806 | — | $806 | 0.81% |
| ROBERT GUY FAIRLEY3 | 1317 DR CAMPBELL DR WIGGINS, MS 39577 | CONTINENTAL AMERICAN INSURANCE COMPANY | $726 | — | $726 | 0.73% |
| LARRY E REXFORD3 Filed as: LARRY EDWARD REXFORD | 130 BRENTWOOD BOULEVARD GULFPORT, MS 39503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $420 | — | $420 | 0.42% |
| NICOLE R HUFFMAN3 | 106 E CRANFORD AVENUE VALDOSTA, GA 31602 | CONTINENTAL AMERICAN INSURANCE COMPANY | $419 | — | $419 | 0.42% |
| J NELSON LLC3 Filed as: J. NELSON, LLC | 110 MESSEMORE ROAD ELLISVILLE, MS 39437 | CONTINENTAL AMERICAN INSURANCE COMPANY | $328 | — | $328 | 0.33% |
| LINDSEY MARIE DUFEK3 | 1009 PELICAN COVE OCEAN SPRINGS, MS 39564 | CONTINENTAL AMERICAN INSURANCE COMPANY | $172 | — | $172 | 0.17% |
| JOEL KEITH ANDERSON3 | 715 EAST 2ND STREET PASS CHRISTIAN, MS 39571 | CONTINENTAL AMERICAN INSURANCE COMPANY | $86 | — | $86 | 0.09% |
| LOCKARD & WILLIAMS INSURANCE SVS PA3 Filed as: LOCKARD & WILLIAMS INS SVCS PA | PO BOX 1688 PASCAGOULA, MS 39568 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | — | $18K | 20.00% |
| LOCKARD & WILLIAMS INSURANCE SVS PA3 Filed as: LOCKARD & WILLIAMS INS SVCS PA | PO BOX 1688 PASCAGOULA, MA 39568 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $1K | $9K | 17.36% |
| 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 | $1K | $6K | 19.31% |
| LOCKARD & WILLIAMS INSURANCE SERVIC3 | PO BOX 1688 PASCAGOULA, MS 39568 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 5.92% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN LOCKARD | PO BOX 1688 1505 JACKSON AVENUE POB 1688 PASCAGOULA, MS 39568 | METROPOLITAN LIFE INSURANCE COMPANY | $951 | — | $951 | 3.27% |
| LOCKARD & WILLIAMS INSURANCE SVS PA3 Filed as: LOCKARD & WILLIAMS INS SVCS PA | PO BOX 1688 PASCAGOULA, MS 39568 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $548 | $4K | 17.25% |
| LOCKARD & WILLIAMS INSURANCE SVS PA3 Filed as: LOCKARD & WILLIAMS INS SVCS PA | PO BOX 1688 PASCAGOULA, MS 39568 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $477 | $146 | $623 | 19.58% |
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 | 558 | 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) | 558 | 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 | 502 | $2.0M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 327 | $117K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 491 | $29K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 551 | $147K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 95 | $32K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 138 | $24K |
| Other(4 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 551 | $246K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 551 | — |
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.