| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKARD & WILLIAMS INSURANCE SVS PA3 Filed as: LOCKARD & WILLIAM INS SERVICES PA | PO BOX 1688 PASCAGOULA, MS 39568 | UNITEDHEALTHCARE INSURANCE COMPANY | $26K | — | $26K | 3.17% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD STE 300 METAIRIE, LA 70002 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 0.59% |
| LOCKARD & WILLIAMS INSURANCE SVS PA3 Filed as: LOCKARD & WILLIAM INS SERVICES PA | PO BOX 1688 PASCAGOULA, MS 39568 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 11.40% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | PO BOX 6650 METAIRIE, LA 70009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.60% |
| LOCKARD & WILLIAMS INSURANCE SVS PA3 Filed as: LOCKARD & WILLIAM INS SERVICES PA | PO BOX 1688 PASCAGOULA, MS 39568 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 11.65% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | PO BOX 6650 METAIRIE, LA 70009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $966 | — | $966 | 3.35% |
| LOCKARD & WILLIAMS INSURANCE SVS PA3 Filed as: LOCKARD & WILLIAM INS SERVICES PA | PO BOX 1688 PASCAGOULA, MS 39568 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 11.30% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | PO BOX 6650 METAIRIE, LA 70009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $871 | — | $871 | 3.70% |
| LOCKARD & WILLIAMS INSURANCE SVS PA Filed as: LOCKARD & WILLIAM INS SERVICES PA | PO BOX 1688 PASCAGOULA, MS 39568 | SUPERIOR VISION PLAN | $872 | — | $872 | 5.98% |
| LOCKARD & WILLIAMS INSURANCE SVS PA3 Filed as: LOCKARD & WILLIAM INS SERVICES PA | PO BOX 1688 PASCAGOULA, MS 39568 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $892 | — | $892 | 11.51% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | PO BOX 6650 METAIRIE, LA 70009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $270 | — | $270 | 3.48% |
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 | 117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 117 | $831K |
| Vision | SUPERIOR VISION PLAN | 174 | $15K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 226 | $37K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 79 | $45K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 46 | $24K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 226 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.