Another 5500 question - related to 8/22 posting

[Guest HBenash]

I have a question on filing for fringe benefit plans, and am still confused by the filing requirements. Client has plan #1 - self insured medical with stop loss coverage, covers over 100 participants. Plan # 2 - separate cafeteria plan collecting pre-tax contributions for medical "premiums" and unreimbursed medical expenses. Contributions are sent to general assets of the employer and again has over 100 participants.

Rules seem to indicate that the medical reimbursement feature of the 125 plan makes it a welfare benefit plan that must file a 5500 if over 100 participants. Is this correct? Also appears that if it is, we would only be filing 5500 and Sch. C, as no insurance and no audit/Sch. H required.

The prior posting seemed to indicate that the 125 filing could be combined with the other plan, even though they were separate plans. Did I read that correctly? Thanks for any assistance.