If a plan is self insured but being administered by a health insurance company, who would be the claim fiduciary, the plan sponsor or the insurance company?

[Guest JD698]

If a plan is self insured but being administered by a health insurance company, who would be the claim fiduciary, the plan sponsor or the insurance company? What would be the responsibilities of a claim fiduciary?

[mbozek]

Who is designated as the final authority for deciding claims under the administration agreement between the parties?

[Guest JD698]

The Trustees (plan sponsors) have the final authority Do I correctly assume that the plan sponsor would be the claim fiduciary?