Welfare broker

LOCKARD & WILLIAMS INSURANCE SVS PA

Mailing address (most recent filing)

PO BOX 1688

PASCAGOULA, MS 39568

Total comp: $146K
Commissions: $146K
Fees: $0
Filings: 7
Sponsors: 7

Carrier mix

Where LOCKARD & WILLIAMS INSURANCE SVS PA places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

UNITEDHEALTHCARE INSURANCE COMPANY33.3%
PRINCIPAL LIFE INSURANCE COMPANY33.3%
METROPOLITAN LIFE INSURANCE COMPANY33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITEDHEALTHCARE INSURANCE COMPANY	1	$951K	33.3%
PRINCIPAL LIFE INSURANCE COMPANY	1	$136K	33.3%
METROPOLITAN LIFE INSURANCE COMPANY	1	$37K	33.3%

Top states · with penetration index

Plan count by state. Index > 1.0means over-indexed vs the broker's national share.

State	Plans	Premium	State share	Index
MS	2	$172K	0.4%	165.66x
LA	1	$951K	0.1%	42.37x

Top industries by premium

NAICS-2 sectors where this broker places the most welfare premium.

Sponsor-size mix

Plan count by total participants. Reveals whether this broker is a mid-market player or jumbo-employer specialist.

Broker compensation as % of premium

Distribution of LOCKARD & WILLIAMS INSURANCE SVS PA's plans by broker comp / premium ratio. Median 11.43% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

Share of LOCKARD & WILLIAMS INSURANCE SVS PA's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-3 of 3 sponsors where LOCKARD & WILLIAMS INSURANCE SVS PA is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
FOUNDATION HEALTH SERVICES, INC. FOUNDATION HEALTH SERVICES, INC. EMPLOYEE BENEFITS PLAN	LA	$951K	$48K	UNITEDHEALTHCARE INSURANCE COMPANY
SOUTHERN STATES UTILITY TRAILER SALES, INC. SOUTHERN STATES UTILITY TRAILER SALES, INC. GROUP INSURANCE PLAN	MS	$136K	$16K	PRINCIPAL LIFE INSURANCE COMPANY
SOUTHERN STATES UTILITY TRAILER SALES, INC. SOUTHERN STATES UTILITY TRAILER SALES, INC. WELFARE BENEFIT PLAN	MS	$37K	$7K	METROPOLITAN LIFE INSURANCE COMPANY

Carrier

Plans

Premium

UNITEDHEALTHCARE INSURANCE COMPANY

$951K

33.3%

PRINCIPAL LIFE INSURANCE COMPANY

$136K

33.3%

METROPOLITAN LIFE INSURANCE COMPANY

$37K

33.3%

State

Plans

Premium

State share

Index

$172K

0.4%

165.66x

$951K

0.1%

42.37x

Sponsor

Loc

Premium

Comp

Carrier

FOUNDATION HEALTH SERVICES, INC.

FOUNDATION HEALTH SERVICES, INC. EMPLOYEE BENEFITS PLAN

$951K

$48K

UNITEDHEALTHCARE INSURANCE COMPANY

SOUTHERN STATES UTILITY TRAILER SALES, INC.

SOUTHERN STATES UTILITY TRAILER SALES, INC. GROUP INSURANCE PLAN

$136K

$16K

PRINCIPAL LIFE INSURANCE COMPANY

SOUTHERN STATES UTILITY TRAILER SALES, INC.

SOUTHERN STATES UTILITY TRAILER SALES, INC. WELFARE BENEFIT PLAN

$37K

$7K

METROPOLITAN LIFE INSURANCE COMPANY