| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKARD & WILLIAMS INSURANCE SERVIC3 Filed as: LOCKARD & WILLIAMS INS SERVICES PA | P.O. BOX 1688 PASCAGOULA, MS 39568 | UNITEDHEALTHCARE INSURANCE COMPANY | $49K | $2K | $51K | 2.87% |
| LOCKARD & WILLIAMS INSURANCE SVS PA3 Filed as: LOCKARD & WILLIAMS INS SVCS PA | P.O. BOX 1688 PASCAGOULA, MA 39568 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | $3K | $20K | 23.45% |
| LOCKARD & WILLIAMS INSURANCE SVS PA3 Filed as: LOCKARD & WILLIAMS INS SVCS PA | P.O. BOX 1688 PASCAGOULA, MS 39568 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $891 | $7K | 13.73% |
| LOCKARD & WILLIAMS INSURANCE SVS PA3 Filed as: LOCKARD & WILLIAMS INS SVCS PA | P.O. BOX 1688 PASCAGOULA, MS 39568 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $1K | $10K | 23.30% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $756 | $2K | 6.91% |
| JOANN PANTALONE3 | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $540 | — | $540 | 1.57% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC | P.O. BOX 13613 NEWARK, NJ 07188 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $73 | — | $73 | 0.21% |
| LOCKARD & WILLIAMS INSURANCE SERVIC3 Filed as: LOCKARD & WILLIAMS INSURANCE | P.O. BOX 1688 PASCAGOULA, MS 39568 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 5.95% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND, INC | 12505 PARK POTOMAC AVENUE SUITE 300 POTOMAC, MD 20854 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $21 | — | $21 | 0.07% |
| LOCKARD & WILLIAMS INSURANCE SVS PA3 Filed as: LOCKARD & WILLIAMS INS SVCS PA | P.O. BOX 1688 PACAGOULA, MS 39568 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $683 | $5K | 23.46% |
| LOCKARD & WILLIAMS INSURANCE SVS PA3 Filed as: LOCKARD & WILLIMS INS SVCS | P.O. BOX 1688 PASCAGOULA, MS 39568 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $558 | $4K | 23.43% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 6.60% |
| JOANN PANTALONE3 | 897 12TH STREET HAMMONTON, NJ 07188 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $339 | — | $339 | 2.20% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND, INC | P.O. BOX 13613 NEWARK, NJ 07188 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $75 | — | $75 | 0.49% |
| LOCKARD & WILLIAMS INSURANCE SVS PA3 Filed as: LOCKARD & WILLIAMS INS SVCS PA | P.O. BOX 1688 PASCAGOULA, MS 39568 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $215 | $1K | 23.35% |
| LOCKARD & WILLIAMS INSURANCE SVS PA3 Filed as: LOCKARD & WILLIAMS INS SVCS PA | P.O. BOX 1688 PASCAGOULA, MS 39568 | THE LINCOLN NATIONAL LIFE COMPANY | $1K | $223 | $1K | 23.98% |
| LOCKARD & WILLIAMS INSURANCE SVS PA3 Filed as: LOCKARD & WILLIAMS INS SVCS PA | P.O. BOX 1688 PASCAGOULA, MS 39568 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $207 | $36 | $243 | 23.46% |
| LOCKARD & WILLIAMS INSURANCE SVS PA3 Filed as: LOCKARD & WILLIAMS INS SVCS PA | P.O. BOX 1688 PASCAGOULA, MS 39568 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $41 | $8 | $49 | 23.67% |
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 | 335 | 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) | 335 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 278 | $1.8M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 140 | $52K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 337 | $29K |
| Life insurance(7 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 201 | $172K |
| Short-term disability(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 201 | $133K |
| Long-term disability(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 201 | $134K |
| Other(7 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 201 | $185K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 337 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.