| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MILLS AND SONS INC3 Filed as: MILLS AND SONS INC. | PO BOX 505 CLINTON, MO 64735 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $164K | $20K | $184K | 12.05% |
| MILLS AND SONS INC3 Filed as: MILLS AND SONS INC. | PO BOX 505 CLINTON, MO 64735 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $122K | $20K | $141K | 12.51% |
| MILLS AND SONS INC3 Filed as: MILLS AND SONS INC. | PO BOX 505 CLINTON, MO 64735 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $101K | $18K | $118K | 12.75% |
| 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 | $90K | — | $90K | 23.08% |
| MILLS AND SONS INC3 | PO BOX 505 CLINTON, MO 647350505 | STANDARD INSURANCE COMPANY | $35K | — | $35K | 10.00% |
| MILLS AND SONS INC3 | PO BOX 505 CLINTON, MO 64735 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | $3K | $19K | 12.51% |
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 | 3,364 | 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) | 3,364 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | STANDARD INSURANCE COMPANY | 2,977 | $349K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,452 | $929K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,452 | $1.5M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,452 | $1.1M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,452 | $544K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,452 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.