| 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 | $43K | — | $43K | 4.95% |
| EILEEN M KOPPINGER3 | 3060 COMMERCE DR. SUITE 4 FORT GRATIOT, MI 480598059 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $6K | — | $6K | 5.05% |
| EILEEN M KOPPINGER3 | 3060 COMMERCE DR, STE 4 FORT GRATIOT, MI 48059 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 3.02% |
| KOPPINGER & ASSOCIATES, INC.3 | 3060 COMMERCE DR., STE. 4 FORT GRATIOT, MI 48059 | EYEMED VISION CARE | $2K | — | $2K | 9.97% |
| KOPPINGER & ASSOCIATES, INC.3 | 3060 COMMERCE DRIVE, SUITE 4 FORT GRATIOT, MI 48059 | STANDARD INSURANCE COMPANY | $794 | — | $794 | 11.44% |
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 | 31 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 81 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 310 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 207 | $994K |
| Dental | DELTA DENTAL OF MICHIGAN | 309 | $108K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 291 | $142K |
| Life insurance | STANDARD INSURANCE COMPANY | 172 | $7K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 207 | $994K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 309 | — |
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.