| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EILEEN M KOPPINGER3 | 3060 COMMERCE DR SUITE 4 FORT GRATIOT, MI 480598059 | BLUE CARE NETWORK OF MICHIGAN | $34K | — | $34K | 3.55% |
| KOPPINGER & ASSOCIATES, INC.3 Filed as: KOPPINGER & ASSOCIATES INC | 3060 COMMERCE DR SUITE 4 FORT GRATIOT, MI 48059 | BLUE CARE NETWORK OF MICHIGAN | — | $1K | $1K | 0.12% |
| EILEEN M KOPPINGER3 | 3060 COMMERCE DR SUITE 4 FORT GRATIOT, MI 480598059 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $13K | — | $13K | 3.86% |
| KOPPINGER & ASSOCIATES, INC.3 Filed as: KOPPINGER & ASSOCIATES INC | 3060 COMMERCE DR SUITE 4 FORT GRATIOT, MI 48059 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $456 | $456 | 0.13% |
| KOPPINGER & ASSOCIATES, INC.3 Filed as: KOPPINGER & ASSOCIATES INC | 3060 COMMERCE DR SUITE 4 FORT GRATIOT, MI 48059 | PRINCIPAL LIFE INSURANCE COMPANY | $25K | — | $25K | 9.60% |
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 | 172 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 182 | $1.3M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 299 | $256K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 299 | $256K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 299 | $256K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 299 | $256K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 299 | $256K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 182 | $1.3M |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 299 | $256K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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."
No prospect flags tripped on this filing.