Casino Vicksburg dba Waterview Casino & Hotel
Updated Filing received by DOL
Casino Vicksburg dba Waterview Casino & Hotel, an accommodation & food services employer in Vicksburg, Mississippi, reported 514 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $1.9M in insurance premiums across 10 contracts and $122,557 in broker commissions and fees, 3.0% of medical premium against a national median of 3.8% among plans that paid commissions in plan year 2024. The plan is fully insured (an insurance carrier pays claims). The Department of Labor received the filing on August 31, 2026, within the extension window.
Who was paid on Casino Vicksburg dba Waterview Casino & Hotel's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Casino Vicksburg dba Waterview Casino & Hotel filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Lockard Williams Insura- | $57,087 | $2,040 | $59,127 | 10 |
| John Lockard | $57,936 | $0 | $57,936 | 1 |
| Gis Benefits Inc. | $0 | $2,562 | $2,562 | 1 |
| Wayne C Kim · Gulfport, MS | $1,396 | $0 | $1,396 | 3 |
| Larry Edward Rexford · Gulfport, MS | $948 | $0 | $948 | 1 |
| J. Nelson, LLC · Ellisville, MS | $131 | $0 | $131 | 1 |
| Brennan Kim · Gulfport, MS | $111 | $0 | $111 | 1 |
| Robert Guy Fairley · Wiggins, MS | $108 | $0 | $108 | 1 |
| Madison Staley · Gulfport, MS | $85 | $0 | $85 | 1 |
| Mark D Butler · Biloxi, MS | $59 | $0 | $59 | 2 |
| Joel Keith Anderson · Pass Christian, MS | $49 | $0 | $49 | 1 |
| Nicole R Huffman · Johnson City, TN | $45 | $0 | $45 | 1 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2025, as published in EBSA's 2025 "Latest" dataset. Part I names whoever the carrier paid, which can be a firm or an individual agent; both are public record. Amounts exclude pay from carriers not tied to a listed contract.
Insurance contracts and carriers
Every insurance contract reported on Schedule A: carrier, what it covers, people covered at year end, earned premium, and broker compensation.
| Carrier · coverage | Covered | Premium | Broker pay | Rate |
|---|---|---|---|---|
| Blue Cross & Blue Shield of Mississippi, a Mutual Insurance Companyhealth | 399 | $1.9M | $57,936 | 3.0% |
| Equitable Financial Life Insurance Company of Americalife | 568 | — | $24,684 | — |
| Delta Dental Insurance Companydental | 315 | — | $10,691 | — |
| The Lincoln National Life Insurance Companyshort-term disability | 127 | — | $5,371 | — |
| The Lincoln National Life Insurance Companylife | 172 | — | $370 | — |
| Continental American Insurance Companyindemnity | 77 | — | $6,362 | — |
| The Lincoln National Life Insurance Companylong-term disability | 149 | — | $3,871 | — |
| Metropolitan Life Insurance Companyvision | 472 | — | $2,844 | — |
| The Lincoln National Life Insurance Companyshort-term disability | 89 | — | $4,172 | — |
| The Lincoln National Life Insurance Companylife | 175 | — | $6,256 | — |
Source: DOL Form 5500 Schedule A, plan year 2025. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How Casino Vicksburg dba Waterview Casino & Hotel compares
Medians across employers for plan year 2024, the most recent complete year. Commission rates use fully insured medical contracts only; dollar medians use every employer that disclosed broker pay.
Premium per covered person on medical contracts: $4,845 a year (national median $7,274).
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Year over year
| 2024 | 2025 | Change | |
|---|---|---|---|
| Participants | 540 | 514 | −4.8% |
| Premiums filed | $1,976,877 | $1,933,175 | −2.2% |
| Broker commissions + fees | $120,633 | $122,557 | +1.6% |
| Commission rate | 3.0% | 3.0% | +0.0 pts |
Source: DOL Form 5500 filings for plan years 2024 and 2025.
Filings and timeliness
Plans this employer filed under its EIN with a health benefit code. Large plans are due seven months after the plan year ends, or two and a half months later with an extension; amended filings carry the amendment date, so no timing is asserted for them.
| Plan | Plan year end | Received by DOL | Timing | Participants |
|---|---|---|---|---|
| Casino Vicksburg LLC d/b/a Waterview Casino & Hotel Employee Benefits Plan#502 · insurance | December 31, 2025 | August 31, 2026 | within extension | 514 |
Source: DOL Form 5500 Part I and signature dates; "late" means received after the extended deadline (the 15th day of the tenth month after plan year end). What a late Form 5500 costs.
How much did Casino Vicksburg dba Waterview Casino & Hotel pay in health insurance broker commissions in 2025?
Casino Vicksburg dba Waterview Casino & Hotel's 2025 Form 5500 reports $122,557 in broker commissions and fees across 10 insurance contracts ($117,955 in commissions, $4,602 in fees), with Lockard Williams Insura- receiving the largest share.
Is Casino Vicksburg dba Waterview Casino & Hotel's health plan self-funded or fully insured?
The 2025 filing indicates the plan is fully insured (an insurance carrier pays claims). Medical coverage is written by Blue Cross & Blue Shield of Mississippi, a Mutual Insurance Company.
How does Casino Vicksburg dba Waterview Casino & Hotel's broker compensation compare with similar employers?
Casino Vicksburg dba Waterview Casino & Hotel paid 3.0% of medical premium in commissions and fees. The median for employers with 500-999 participants is 2.7%, and the median in Mississippi is 3.7%. Percentages are computed only on fully insured medical contracts with filed premiums.
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Record built October 24, 2026 from U.S. Department of Labor, EBSA Form 5500 datasets (2025, 2024, 2023 plan years, 'Latest' files). Filings can run 7 to 10 months behind the plan year; always confirm against current plan documents. BenefitsLedger is not affiliated with the U.S. Department of Labor. Open the DOL filing search.