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 |
|---|---|---|---|
| MASSACHUSETTS MUTUAL LIFE INS. CO. EIN 04-1590850 CONTRACT ADMINISTRATOR | Investment management fees paid indirectly by plan; Soft dollars commissions; Sub-transfer agency fees; Other investment fees and expenses; Recordkeeping fees; Distribution (12b-1) fees; Other insurance wrap fees Service code 52 | — | $30K |
| MCGILL, POWER, BELL & ASSOC., LLP EIN 25-1031405 ACCOUNTING FIRM | Accounting (including auditing) Service code 10 | — | $10K |
| AB FUNDS EIN 13-4064930 INVESTMENT PROVIDER | Investment management fees paid indirectly by plan Service code 52 | — | $0 |
| ENVESTNET RETIREMENT SOLUTIONS, LLC EIN 61-1732930 INVESTMENT ADVISER | Investment advisory (plan) Service code 27 | — | $0 |
| FRANKLINTEMPLETON EIN 90-0342299 INVESTMENT PROVIDER | Investment management fees paid indirectly by plan Service code 52 | — | $0 |
| MFS INVESTMENT MANAGEMENT EIN 90-0342299 INVESTMENT PROVIDER | Investment management fees paid indirectly by plan Service code 52 | — | $0 |
| NORTHERN FUNDS EIN 39-1777365 INVESTMENT PROVIDER | Investment management fees paid indirectly by plan Service code 52 | — | $0 |
| OPPENHEIMER EIN 90-0342299 INVESTMENT PROVIDER | Investment management fees paid indirectly by plan Service code 52 | — | $0 |
| T. ROWE PRICE EIN 56-2294396 INVESTMENT PROVIDER | Investment management fees paid indirectly by plan Service code 52 | — | $0 |
| WELLS FARGO EIN 41-0449260 INVESTMENT PROVIDER | Investment management fees paid indirectly by plan Service code 52 | — | $0 |
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 | 285 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 28 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 318 | 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.