| 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 | $41K | — | $41K | 2.80% |
| LOCKARD & WILLIAMS INSURANCE SERVIC3 | PO BOX 1688 PASCAGOULA, MS 39568 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $500 | $12K | 15.65% |
| LOCKARD & WILLIAMS INSURANCE SERVIC3 | PO BOX 1688 PASCAGOULA, MS 39568 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $346 | $9K | 15.61% |
| LOCKARD & WILLIAMS INSURANCE SERVIC3 Filed as: LOCKARD & WILLIAMS | PO BOX 1688 PASCAGOULA, MS 39568 | DELTA DENTAL INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| LOCKARD & WILLIAMS INSURANCE SERVIC3 | PO BOX 1688 PASCAGOULA, MS 39568 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $295 | $7K | 15.65% |
| LOCKARD & WILLIAMS INSURANCE SERVIC3 | PO BOX 1688 PASCAGOULA, MS 39568 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 5.55% |
| LOCKARD & WILLIAMS INSURANCE SERVIC3 | PO BOX 1688 PASCAGOULA, MS 39568 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $103 | $2K | 15.71% |
| LOCKARD & WILLIAMS INSURANCE SERVIC3 | — | TELEDOC INC | — | $7K | $7K | 150.00% |
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 | 226 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 208 | $1.5M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 193 | $53K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 279 | $25K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 226 | $15K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 129 | $77K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 77 | $45K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 208 | $1.5M |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 226 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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."
No prospect flags tripped on this filing.