| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KOPPINGER & ASSOCIATES, INC.3 Filed as: KOPPINGER AND ASSOCIATES, INC. | 3060 COMMERCE DR. STE. 4 FORT GRATIOT, MI 480598059 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $38K | $1K | $39K | 3.87% |
| KOPPINGER & ASSOCIATES, INC.3 Filed as: KOPPINGER & ASSOCIATES | 3060 COMMERCE DR. STE. 4 FORT GRATIOT, MI 480598059 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.10% |
| KOPPINGER & ASSOCIATES, INC.3 Filed as: KOPPINGER & ASSOCIATES | 3060 COMMERCE DR. STE. 4 FORT GRATIOT, MI 480598059 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 13.30% |
| KOPPINGER & ASSOCIATES, INC.3 Filed as: KOPPINGER & ASSOCIATES | 3060 COMMERCE DR. STE. 4 FORT GRATIOT, MI 480598059 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.12% |
| KOPPINGER & ASSOCIATES, INC.3 Filed as: KOPPINGER & ASSOCIATES | 3060 COMMERCE DR. SUITE 4 FORT GRATIOT, MI 48059 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| GERALD THORP AGENCY LLC3 | 1582 RILEY RD CARO, MI 48723 | AFLAC | $344 | $0 | $344 | 2.30% |
| SHANNON RAE KELLY EISINGER3 | 2920 W POPPLE RD BAD AXE, MI 48413 | AFLAC | $195 | $0 | $195 | 1.30% |
| KENNETH J ZIEL3 | 202 W GRANT ST CARO, MI 48723 | AFLAC | $128 | $0 | $128 | 0.86% |
| MATTHEW THOMAS NEMODE3 | 815 E MIDLAND ST BAY CITY, MI 48706 | AFLAC | $124 | $0 | $124 | 0.83% |
| JOSEPH BALL3 Filed as: JOSEPH R J BALL | 4463 N LAMTON RD DEFORD, MI 48729 | AFLAC | $88 | $0 | $88 | 0.59% |
| RICHARD P SOMMERS3 | 861 AUGUSTA DRIVE ROCHESTER, MI 48309 | AFLAC | $60 | $0 | $60 | 0.40% |
| DANIEL G ROMZEK3 | 6159 PUVALOWSKI RD RUTH, MI 48470 | AFLAC | $53 | $0 | $53 | 0.35% |
| MATTHEW THOMAS NEMODE3 Filed as: MATTHEW SOPCZYNSKI | 4146 N PAUL CIR BAY CITY, MI 48706 | AFLAC | $33 | $0 | $33 | 0.22% |
| DOUGLAS E FOX3 Filed as: DOUGLAS EDWARD FOX | 6836 THAYER LAKE DR ALDEN, MI 49612 | AFLAC | $16 | $0 | $16 | 0.11% |
| MATTHEW WAYNE KNARIAN3 | 2569 S BARRIE RD BAD AXE, MI 48413 | AFLAC | $15 | $0 | $15 | 0.10% |
| BRADLEY J LOWRAN3 | 9553 E WALKABOUT LN TRAVERSE CITY, MI 49684 | AFLAC | $3 | $0 | $3 | 0.02% |
| GREGORY CRAWFORD3 | PO BOX 1471 MIDLAND, MI 48641 | AFLAC | $3 | $0 | $3 | 0.02% |
| SHANNON RAE KELLY EISINGER3 | 2920 W POPPLE RD BAD AXE, MI 48413 | AFLAC | $40 | $0 | $40 | 2.35% |
| MATTHEW WAYNE KNARIAN3 | 2569 S BARRIE RD BAD AXE, MI 48413 | AFLAC | $17 | $0 | $17 | 1.00% |
| MATTHEW THOMAS NEMODE3 | 815 E MIDLAND ST BAY CITY, MI 48706 | AFLAC | $16 | $0 | $16 | 0.94% |
| GERALD THORP AGENCY LLC3 | 1582 RILEY RD CARO, MI 48723 | AFLAC | $14 | $0 | $14 | 0.82% |
| KENNETH J ZIEL3 | 202 W GRANT ST CARO, MI 48723 | AFLAC | $11 | $0 | $11 | 0.65% |
| RICHARD P SOMMERS3 | 861 AUGUSTA DR ROCHESTER, MI 48309 | AFLAC | $7 | $0 | $7 | 0.41% |
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 | 179 | 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) | 179 | 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 | 179 | $1.0M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 179 | $1.0M |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 179 | $1.0M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 34 | $15K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 93 | $26K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 179 | $1.0M |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 94 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.