| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKHARD WILLIAMS INSURANCE3 | P.O. BOX 1688 PASCAGOULA, MS 39568 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 10.00% |
| LOCKARD & WILLIAMS INSURANCE SVS PA3 | P.O. BOX 1688 PASCAGOULA, MS 395681688 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| LOCKHARD WILLIAMS INSURANCE3 | P.O. BOX 1688 PASCAGOULA, MS 39568 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 15.00% |
| LOCKHARD WILLIAMS INSURANCE3 | P.O. BOX 1688 PASCAGOULA, MS 39568 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 15.00% |
| LOCKHARD WILLIAMS INSURANCE3 | P.O. BOX 1688 PASCAGOULA, MS 39568 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 15.00% |
| LOCKHARD WILLIAMS INSURANCE3 | P.O. BOX 1688 PASCAGOULA, MS 39568 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.00% |
| LOCKARD & WILLIAMS INSURANCE SVS PA3 | P.O. BOX 1688 PASCAGOULA, MS 395681688 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| LOCKHARD WILLIAMS INSURANCE3 | P.O. BOX 1688 PASCAGOULA, MS 39568 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 10.00% |
| MONICA ELIZABETH CORLEY3 | 3017 SMITH DRIVE GAUTIER, MS 39553 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $246 | $113 | $359 | 1.90% |
| KELLIE WELLS3 | 16281 SAVOY CT FAIRHOPE, AL 36532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $242 | $76 | $318 | 1.68% |
| LEWIS ASHTON BROCK III3 | 8776 SPRING GRV N MOBILE, AL 36695 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | $17 | $99 | 0.52% |
| MELISSA BILLINGSLEY3 | 1509 GOVERNMENT ST FL 4 MOBILE, AL 36604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | $59 | $96 | 0.51% |
| MAKING BENEFITS COUNT LLC3 | 18172 S SECTION ST APT 7603 FAIRHOPE, AL 36532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.11% |
| LAWRENCE BLAIR CORLEY3 | 3017 SMITH DRIVE GAUTIER, MS 39553 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $3 | $14 | 0.07% |
| MARK ADAM WELLS3 | 1509 GOVERNMENT ST FL 4 MOBILE, AL 36604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.05% |
| LOCKHARD WILLIAMS INSURANCE3 | P.O. BOX 1688 PASCAGOULA, MS 39568 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.00% |
| LOCKARD & WILLIAMS INSURANCE SVS PA3 | P.O. BOX 1688 PASCAGOULA, MS 395681688 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| LOCKHARD WILLIAMS INSURANCE3 | P.O. BOX 1688 PASCAGOULA, MS 39568 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.00% |
| LOCKARD & WILLIAMS INSURANCE SVS PA3 | P.O. BOX 1688 PASCAGOULA, MS 395681688 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| LOCKARD & WILLIAMS INSURANCE SVS PA3 | P.O. BOX 1688 PASCAGOULA, MS 395681688 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $849 | — | $849 | 14.99% |
| LOCKARD & WILLIAMS INSURANCE SVS PA3 | P.O. BOX 1688 PASCAGOULA, MS 395681688 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $337 | — | $337 | 15.01% |
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 | 225 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 160 | $107K |
| Vision | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 148 | $21K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 225 | $95K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 178 | $40K |
| Long-term disability(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 225 | $48K |
| Other(8 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 182 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.