| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MILLS AND SONS INC3 | PO BOX 505 CLINTON, MO 647350505 | STANDARD INSURANCE COMPANY | $108K | $0 | $108K | 10.74% |
| MILLS AND SONS INC3 Filed as: MILLS AND SONS INC. | PO BOX 505 CLINTON, MO 647350505 | STANDARD INSURANCE COMPANY | $77K | — | $77K | 11.10% |
| MILLS AND SONS INC3 Filed as: MILLS AND SONS INC. | PO BOX 505 CLINTON, MO 647350505 | STANDARD INSURANCE COMPANY | $67K | $0 | $67K | 10.22% |
| MILLS AND SONS INC3 Filed as: MILLS & SONS, INC. | 110 W JEFFERSON ST PO BOX 505 CLINTON, MO 64735 | SUN LIFE ASSURANCE COMPANY OF CANADA | $64K | — | $64K | 23.39% |
| MILLS AND SONS INC3 | PO BOX 505 CLINTON, MO 647350505 | STANDARD INSURANCE COMPANY | $27K | — | $27K | 11.17% |
| MILLS AND SONS INC3 | PO BOX 505 CLINTON, MO 647350505 | STANDARD INSURANCE COMPANY | $100K | — | $100K | — |
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 | 2,421 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,421 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 0 | $0 |
| Vision | STANDARD INSURANCE COMPANY | 2,151 | $238K |
| Life insurance | STANDARD INSURANCE COMPANY | 3,091 | $656K |
| Short-term disability | STANDARD INSURANCE COMPANY | 2,394 | $1.0M |
| Long-term disability | STANDARD INSURANCE COMPANY | 2,279 | $694K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 424 | $275K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,091 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.