| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKARD & WILLIAMS INSURANCE SVS PA3 Filed as: LOCKARD & WILLIAM INSURANCE SERVICE | PO BOX 1688 PASCAGDULA, MS 39568 | UNITEDHEALTHCARE INSURANCE COMPANY | $50K | $2K | $52K | 3.12% |
| LOCKARD & WILLIAMS INSURANCE SERVIC3 | PO BOX 1688 PASCAGOULA, MS 39568 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 20.00% |
| LOCKARD & WILLIAMS INSURANCE SERVIC3 | PO BOX 1688 PASCAGOULA, MS 39568 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 12.00% |
| LOCKARD & WILLIAMS INSURANCE SERVIC3 | PO BOX 1688 PASCAGOULA, MS 39568 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 20.00% |
| LOCKARD & WILLIAMS INSURANCE SERVIC3 Filed as: LOCKARD & WILLIAMS INSURANCE | — | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 6.63% |
| LOCKARD & WILLIAMS INSURANCE SERVIC3 | PO BOX 1688 PASCAGOULA, MS 39568 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 20.00% |
| LOCKARD & WILLIAMS INSURANCE SERVIC3 | PO BOX 1688 PASCAGOULA, MS 39568 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| LOCKARD & WILLIAMS INSURANCE SERVIC3 | PO BOX 1688 PASCAGOULA, MS 39568 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| LOCKARD & WILLIAMS INSURANCE SERVIC3 | PO BOX 1688 PASCAGOULA, MS 39568 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| LOCKARD & WILLIAMS INSURANCE SERVIC3 | PO BOX 1688 PASCAGOULA, MS 39568 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| LOCKARD & WILLIAMS INSURANCE SERVIC3 | PO BOX 1688 PASCAGOULA, MS 39568 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| LOCKARD & WILLIAMS INSURANCE SERVIC3 | PO BOX 1688 PASCAGOULA, MS 39568 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 12.00% |
| LOCKARD & WILLIAMS INSURANCE SERVIC3 | PO BOX 1688 PASCAGOULA, MS 39568 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $706 | — | $706 | 11.99% |
| LOCKARD & WILLIAMS INSURANCE SERVIC3 | PO BOX 1688 PASCAGOULA, MS 39568 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $575 | — | $575 | 11.99% |
| LOCKARD & WILLIAMS INSURANCE SERVIC3 | PO BOX 1688 PASCAGOULA, MS 39568 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $927 | — | $927 | 20.00% |
| LOCKARD & WILLIAMS INSURANCE SERVIC3 | PO BOX 1688 PASCAGOULA, MS 39568 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $909 | — | $909 | 20.00% |
| LOCKARD & WILLIAMS INSURANCE SERVIC3 | PO BOX 1688 PASCAGOULA, MS 39568 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $700 | — | $700 | 19.99% |
| LOCKARD & WILLIAMS INSURANCE SERVIC3 | PO BOX 1688 PASCAGOULA, MS 39568 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $644 | — | $644 | 19.99% |
| LOCKARD & WILLIAMS INSURANCE SERVIC3 | PO BOX 1688 PASCAGOULA, MS 39568 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $634 | — | $634 | 19.99% |
| LOCKARD & WILLIAMS INSURANCE SERVIC3 | PO BOX 1688 PASCAGOULA, MS 39568 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $550 | — | $550 | 20.01% |
| LOCKARD & WILLIAMS INSURANCE SVS PA3 Filed as: LOCKARD & WILLIAM INSURANCE SERVICE | PO BOX 1688 PASCAGOULA, MS 39568 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $485 | — | $485 | 20.00% |
| LOCKARD & WILLIAMS INSURANCE SERVIC3 | PO BOX 1688 PASCAGOULA, MS 39568 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $327 | — | $327 | 20.01% |
| LOCKARD & WILLIAMS INSURANCE SERVIC3 | PO BOX 1688 PASCAGOULA, ME 39568 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $218 | — | $218 | 19.98% |
| LOCKARD & WILLIAMS INSURANCE SERVIC3 | PO BOX 1688 PASCAGOULA, MS 39568 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $94 | — | $94 | 20.09% |
| LOCKARD & WILLIAMS INSURANCE SERVIC3 | PO BOX 1688 PASCAGOULA, MS 39568 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $41 | — | $41 | 20.10% |
| LOCKARD & WILLIAMS INSURANCE SERVIC3 | PO BOX 1688 PASCAGOULA, MS 39568 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20 | — | $20 | 20.00% |
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 | 328 | 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) | 328 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 278 | $1.7M |
| Dental(4 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 212 | $51K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 323 | $22K |
| Life insurance(5 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 193 | $21K |
| Short-term disability(4 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 95 | $85K |
| Long-term disability(4 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 77 | $41K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 278 | $1.7M |
| Other(12 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 193 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 323 | — |
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."
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.