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 |
|---|---|---|---|
| SAGE ADVISORY EIN 74-2798841 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $43K |
| GRAYSTONE CONSULTING EIN 20-8764829 NONE | Investment advisory (plan); Named fiduciary; Direct payment from the plan; Securities brokerage Service code 27 | — | $29K |
| WITHUMSMITH+BROWN,PC EIN 22-2027092 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $27K |
| FREMONT BANK EIN 94-1569025 NONE | Direct payment from the plan; Other services Service code 49 | — | $19K |
| HEALTH SERVICES & BENEFIT ADMINISTR EIN 94-3089465 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $17K |
| NFP EIN 13-3616676 NONE | Insurance brokerage commissions and fees Service code 53 | — | $2K |
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 | 763 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 71 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 963 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,797 | 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."
No prospect flags tripped on this filing.