Miller Waste Mills, Inc.

Winona, MN ManufacturingNAICS 326100

Self-funded health planPlan year 2025Renews January
917Participants+7% vs. prior year
$2.2MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#46 of 78Manufacturing in MNBy participants

Overview

Miller Waste Mills, Inc. sponsors a self-funded health plan that covered 917 participants in plan year 2025, up 7% from the prior year. The plan year starts in January. Alongside medical, its benefits filing reports life insurance, dental, vision, short-term disability, and more.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
917 · prior year 855
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Miller Waste Mills, Inc. DBA RTP Company Health Insurance Plan, plan 507 (917 participants); Miller Waste Mills, Inc. DBA RTP Company Flexible Spending Account, plan 505 (113 participants)
Broker compensation
$304K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityLong-term disabilityDeath benefitsOther welfare benefits

Insurance carriers

Insured coverage reported on Schedule A. Self-funded medical claims aren't reported there.

CarrierCoverageCoveredPremiumBroker comp
United of Omaha Life Insurance CompanyDental, Long-term disability, Life1,289$1.2M$183K
Securian Life Insurance CompanyCritical Illness, Accident539$195K$117K
Vision Service PlanVision748$102K$4K

Pharmacy benefit estimate

StreamRX estimate for a plan this size. Not based on this plan's claims.

$2.2M/ year

Estimated prescription spend: 917 participants × $2,371 national average per member. Usually higher once dependents are counted.

$57K–$139K/ year

Typical savings opportunity found in independent reviews of plans this size.

Brands with a generic available$17K–$41K
Lower-cost therapeutic alternatives$24K–$50K
Generic pricing vs. actual cost$10K–$31K
PBM contract terms$5K–$16K
The DOL's PBM fee disclosure rule first applies to this plan for the plan year beginning January 2028: semiannual PBM compensation reports and an annual audit right.

Form 5500 filing details

Filing
Form 5500 with Schedule A, plan year 2025
Plan sponsor
Miller Waste Mills, Inc.
Sponsor EIN
41-0413230
Plan numbers
507, 505
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 41-0413230 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Miller Waste Mills, Inc. 401(k) Plan
Type
401(k) plan
Participants
1,418

About this data

Source: Miller Waste Mills, Inc.'s Form 5500 filing for plan year 2025 and its Schedule A insurance reports, published by the U.S. Department of Labor. "Self-funded" means the filing reports benefits paid from employer assets or a trust, with no medical insurance contract or with a stop-loss contract. Pharmacy figures are StreamRX estimates based on national averages. StreamRX is not affiliated with Miller Waste Mills, Inc..

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