| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EILEEN M KOPPINGER3 Filed as: EILEEN M. KOPPINGER | 3060 COMMERCE DRIVE, SUITE 4 FORT GRATIOT, MI 48059 | BLUE CARE NETWORK OF MICHIGAN | $57K | — | $57K | 5.33% |
| EILEEN M KOPPINGER3 Filed as: EILEEN KOPPINGER | 3060 COMMERCE DRIVE 4 FORT GRATIOT, MI 48059 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $5K | — | $5K | 3.19% |
| KOPPINGER & ASSOCIATES, INC.3 | 3060 COMMERCE DRIVE, SUITE 4 FORT GRATIOT, MI 48059 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 1.84% |
| KC INSURANCE AGENCY GROUP, INC3 | 649 N VAN DYKE RD. IMLAY CITY, MI 48444 | DELTA DENTAL OF MICHIGAN | $2K | — | $2K | 1.11% |
| KC INSURANCE AGENCY GROUP, INC3 | 649 N VAN DYKE IMLAY CITY, MI 48444 | EYEMED VISION CARE | $1K | — | $1K | 6.54% |
| KOPPINGER & ASSOCIATES, INC.3 | 3060 COMMERCE DRIVE STE. 4 FORT GRATIOT, MI 48059 | EYEMED VISION CARE | $715 | — | $715 | 3.36% |
| KC INSURANCE AGENCY GROUP, INC3 | 649 N VAN DYKE IMLAY CITY, MI 48444 | STANDARD INSURANCE COMPANY | $394 | — | $394 | 6.63% |
| KOPPINGER & ASSOCIATES, INC.3 | 3060 COMMERCE DRIVE, SUITE 4 FORT GRATIOT, MI 48059 | STANDARD INSURANCE COMPANY | $300 | — | $300 | 5.05% |
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 | 162 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 262 | $1.2M |
| Dental | DELTA DENTAL OF MICHIGAN | 392 | $148K |
| Vision | EYEMED VISION CARE | 370 | $21K |
| Life insurance | STANDARD INSURANCE COMPANY | 201 | $6K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 262 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 392 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.