No insurance carriers on this filing. Self-funded welfare plans typically pay TPAs and PBMs through Schedule C, not Schedule A.
No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ELAINE LAFLEUR PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 32 STEVENS STREET SPRINGFIELD, MA 01104 | $54K |
| FOLEY CONNELLY HEALTH CARE CONSULTANT | Direct payment from the plan; Consulting fees; Consulting (general) Service code 16 | 37 ELM STREET WEST SPRINGFIELD, MA 01089 | $30K |
| KRAKOW SOURIS AND LANDRY EIN 04-3363718 ATTORNEY | Legal; Direct payment from the plan Service code 29 | — | $24K |
| LAPIER, DILLON AND ASSOCIATES PC EIN 32-0048525 AUDITOR | Accounting (including auditing) Service code 10 | — | $23K |
| CBIZ ACTUARY | Actuarial Service code 11 | 75 2ND AVENUE NEEDHAM, MA 02494 | $9K |
| SEGAL MARCO ADVISIORS EIN 36-3555078 CONSULTANT | Trustee (individual) Service code 20 | — | $5K |
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 | 318 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 66 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 384 | Active + retired/separated + beneficiaries. No dependents. |
No Schedule A insurance contracts on this filing — typical of fully self-funded plans, where the only headcount is the Form 5500 number above.
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."
Self-funded plan with no stop-loss carrier attached. Catastrophic-risk exposure; stop-loss specialist sales target.