| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EILEEN M KOPPINGER3 | 3060 COMMERCE DR. STE. 4 FORT GRATIOT, MI 480598059 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $41K | $701 | $41K | 4.35% |
| GERALD THORP AGENCY LLC3 | 1582 RILEY RD CARO, MI 48723 | AFLAC | $2K | $147 | $2K | — |
| MATTHEW THOMAS NEMODE3 | 3985 KAWKAWLIN RIVER DR BAY CITY, MI 48706 | AFLAC | $364 | $33 | $397 | — |
| SHANNON RAE KELLY EISINGER3 | 2920 W POPPLE RD BAD AXE, MI 48413 | AFLAC | $314 | $16 | $330 | — |
| MATTHEW THOMAS NEMODE3 Filed as: MATTHEW SOPCZYNSKI | 4146 N PAUL CIR BAY CITY, MI 48706 | AFLAC | $234 | $15 | $249 | — |
| KENNETH J ZIEL3 | 202 W GRANT ST CARO, MI 48723 | AFLAC | $192 | — | $192 | — |
| JOSEPH BALL3 Filed as: JOSEPH R J BALL | 4463 N LAMTON RD DEFORD, MI 48729 | AFLAC | $154 | $18 | $172 | — |
| RICHARD P SOMMERS3 | 1390 WEST BLVD BERKLEY, MI 48072 | AFLAC | $103 | — | $103 | — |
| DANIEL G ROMZEK3 | 6159 BUVALOWSKI RD RUTH, MI 48470 | AFLAC | $53 | — | $53 | — |
| MATTHEW WAYNE KNARIAN3 | 2569 S BARRIE RD BAD AXE, MI 48413 | AFLAC | $39 | — | $39 | — |
| DOUGLAS E FOX3 Filed as: DOUGLAS EDWARD FOX | 6836 THAYER LAKE DR ALDEN, MI 49612 | AFLAC | $16 | — | $16 | — |
| BRADLEY J LOWRAN3 | 9553 E WALKABOUT LN TRAVERSE CITY, MI 49684 | AFLAC | $3 | — | $3 | — |
| GREGORY CRAWFORD3 | PO BOX 413 MIDLAND, MI 48640 | AFLAC | $3 | — | $3 | — |
| SHANNON RAE KELLY EISINGER3 | 2920 W POPPLE RD BAD AXE, MI 48413 | AFLAC | $47 | — | $47 | — |
| MATTHEW WAYNE KNARIAN3 | 2569 S BARRIE RD BAD AXE, MI 48413 | AFLAC | $32 | — | $32 | — |
| GERALD THORP AGENCY LLC3 | 1582 RILEY RD CARO, MI 48723 | AFLAC | $19 | — | $19 | — |
| MATTHEW THOMAS NEMODE3 | 3145 OAKBROOK WAY BAY CITY, MI 48706 | AFLAC | $18 | — | $18 | — |
| KENNETH J ZIEL3 | 202 W GRANT ST CARO, MI 48723 | AFLAC | $15 | — | $15 | — |
| RICHARD P SOMMERS3 | 1390 WEST BLVD BERKLEY, MI 48072 | AFLAC | $10 | — | $10 | — |
| JOSEPH BALL3 Filed as: JOSEPH R J BALL | 4463 N LAMTON RD DEFORD, MI 48729 | AFLAC | $3 | — | $3 | — |
| KOPPINGER & ASSOCIATES, INC.3 Filed as: KOPPINGER & ASSOCIATES | 3060 COMMERCE DR. STE. 4 FORT GRATIOT, MI 480598059 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | — |
| KOPPINGER & ASSOCIATES, INC.3 Filed as: KOPPINGER & ASSOCIATES | 3060 COMMERCE DR. STE. 4 FORT GRATIOT, MI 480598059 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | — |
| KOPPINGER & ASSOCIATES, INC.3 Filed as: KOPPINGER & ASSOCIATES | 3060 COMMERCE DR. STE. 4 FORT GRATIOT, MI 480598059 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | — |
| KOPPINGER & ASSOCIATES, INC.3 Filed as: KOPPINGER & ASSOCIATES | 3060 COMMERCE DR. SUITE 4 FORT GRATIOT, MI 48059 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | — |
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 | 171 | 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) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 171 | $951K |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 171 | $951K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 171 | $951K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 34 | $0 |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 101 | $0 |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 171 | $951K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 100 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.