| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKARD & WILLIAMS INSURANCE SVS PA3 | P.O. BOX 1688 PASCAGOULA, MS 395681688 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $699 | $6K | 17.15% |
| LOCKARD & WILLIAMS INSURANCE SVS PA3 | P.O. BOX 1688 PASCAGOULA, MS 395681688 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $445 | $4K | 17.15% |
| LOCKARD & WILLIAMS INSURANCE SVS PA3 | P.O. BOX 1688 PASCAGOULA, MS 395681688 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $331 | $3K | 17.15% |
| LOCKARD & WILLIAMS INSURANCE SVS PA3 | P.O. BOX 1688 PASCAGOULA, MS 395681688 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $278 | $2K | 17.30% |
| LOCKARD & WILLIAMS INSURANCE SVS PA3 | P.O. BOX 1688 PASCAGOULA, MS 395681688 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $947 | $143 | $1K | 17.27% |
| LOCKARD & WILLIAMS INSURANCE SVS PA3 | P.O. BOX 1688 PASCAGOULA, MS 395681688 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $552 | $100 | $652 | 17.71% |
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 | 145 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 145 | $45K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 145 | $15K |
| Other(5 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 145 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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.