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 |
|---|---|---|---|
| CARDAY ASSOCIATES, INC. EIN 52-0257019 NONE | Plan Administrator; Direct payment from the plan Service code 14 | 7130 COLUMBIA GATEWAY DR, SUITE A COLUMBIA, MD 21046 | $37K |
| MORGAN STANLEY SMITH BARNEY EIN 13-2919773 NONE | Account maintenance fees; Direct payment from the plan; Investment management fees paid indirectly by plan; Investment advisory (plan); Other investment fees and expenses; Other services; Investment management Service code 27 | 1200 THIRD AVE, SUITE 100 HUNTINGTON, WV 25701 | $30K |
| SALTER & COMPANY LLC EIN 20-8078757 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 4600 EAST-WEST HIGHWAY, SUITE 300 BETHESDA, MD 20814 | $17K |
| O'DONOGHUE & O'DONOGHUE EIN 53-0120528 NONE | Legal; Direct payment from the plan Service code 29 | 5301 WISCONSIN AVE NW 800 WASHINGTON, DC 20015 | $12K |
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 | 210 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 194 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 404 | 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.