Welfare broker

LOCKHARD WILLIAMS INSURANCE

Mailing address (most recent filing)

P.O. BOX 1688

PASCAGOULA, MS 39568

Total comp: $35K
Commissions: $35K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

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

EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA	1	$397K	100.0%

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	1	$397K	0.2%	248.48x

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 LOCKHARD WILLIAMS INSURANCE's plans by broker comp / premium ratio. Median 13.14% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where LOCKHARD WILLIAMS INSURANCE is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
MERCHANTS & MARINE BANK MERCHANTS & MARINE BANK LONG-TERM DISABILITY PLAN	MS	$397K	$52K	EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA