| 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 | $48K | — | $48K | 3.93% |
| LOCKARD & WILLIAMS INSURANCE SVS PA3 | PO BOX 1688 PASCAGOULA, MS 39568 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $2K | $11K | 18.08% |
| LOCKARD & WILLIAMS INSURANCE SERVIC3 Filed as: LOCKARD & WILLIAMS | PO BOX 1688 PASCAGOULA, MS 39568 | DELTA DENTAL INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| LOCKARD & WILLIAMS INSURANCE SVS PA3 | PO BOX 1688 PASCAGOULA, MS 39568 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $1K | $7K | 18.18% |
| LOCKARD & WILLIAMS INSURANCE SERVIC3 | PO BOX 1688 PASCAGOULA, MS 39568 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $823 | $5K | 17.84% |
| LOCKARD & WILLIAMS INSURANCE SERVIC3 Filed as: LOCKARD & WILLIAMS INSURANCE | PO BOX 1688 PASCAGOULA, MS 39568 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 6.00% |
| LOCKARD & WILLIAMS INSURANCE SERVIC3 | PO BOX 1688 PASCAGOULA, MS 39568 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $317 | $2K | 17.73% |
| LOCKARD & WILLIAMS INSURANCE SERVIC3 | PO BOX 1688 PASCAGOULA, MS 39568 | TELEDOC INC | — | $8K | $8K | 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 | 227 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 200 | $1.2M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 160 | $56K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 231 | $18K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 217 | $12K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 111 | $59K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 45 | $29K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 200 | $1.2M |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 231 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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.