| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EILEEN M KOPPINGER3 | 3060 COMMERCE DRIVE STE 4 FORT GRATIOT, MI 480593866 | BLUE CARE NETWORK OF MICHIGAN | $52K | — | $52K | 5.09% |
| KOPPINGER & ASSOCIATES, INC.3 | 3060 COMMERCE DR, STE 4 FORT GRATIOT, MI 48059 | DELTA DENTAL OF MICHIGAN | $4K | — | $4K | 2.97% |
| EILEEN M KOPPINGER3 | 3060 COMMERCE DRIVE 4 FORT GRATIOT, MI 480593866 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $5K | — | $5K | 4.92% |
| KOPPINGER & ASSOCIATES, INC.3 | 3060 COMMERCE DRIVE STE. 4 FORT GRATIOT, MI 48059 | EYEMED VISION CARE | $2K | — | $2K | 9.95% |
| ACRISURE LLC Filed as: ACRISURE, LLC DBA THE ROBBINS GROUP | PO BOX 610609 PORT HURON, MI 480610609 | EYEMED VISION CARE | $2 | — | $2 | 0.01% |
| KOPPINGER & ASSOCIATES, INC.3 | 3060 COMMERCE DRIVE, SUITE 4 FORT GRATIOT, MI 48059 | STANDARD INSURANCE COMPANY | $801 | — | $801 | 11.42% |
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 | 198 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 212 | $1.1M |
| Dental | DELTA DENTAL OF MICHIGAN | 307 | $124K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 286 | $122K |
| Life insurance | STANDARD INSURANCE COMPANY | 175 | $7K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 212 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 307 | — |
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.