TY 2020 Form 990 Schedule J

(A) Name and Title		(B) Breakdown of W-2 and/or 1099-MISC compensation			(C) Retirement and other deferred compensation	(D) Nontaxable benefits	(E) Total of columns (B)(i)-(D)	(F) Compensation in column (B) reported as deferred on prior Form 990
(A) Name and Title		(i) Base compensation	(ii) Bonus & incentive compensation	(iii) Other reportable compensation	(C) Retirement and other deferred compensation	(D) Nontaxable benefits	(E) Total of columns (B)(i)-(D)
1SCOTT P SEROTA PRESIDENT AND CEO	(i) (ii)	1,399,148 ------------- 0	4,895,975 ------------- 0	2,611,061 ------------- 0	1,864,708 ------------- 0	33,412 ------------- 0	10,804,304 ------------- 0	3,012,488 ------------- 0
2JENNIFER VACHON EXECUTIVE VICE PRESIDENT	(i) (ii)	583,184 ------------- 0	396,100 ------------- 0	401,343 ------------- 0	283,497 ------------- 0	45,961 ------------- 0	1,710,085 ------------- 0	85,976 ------------- 0
3ROBERT J KOLODGY JR EXECUTIVE VICE PRESIDENT	(i) (ii)	643,867 ------------- 0	435,800 ------------- 0	9,070 ------------- 0	14,250 ------------- 0	46,023 ------------- 0	1,149,010 ------------- 0	------------- 0
4JUSTINE HANDELMAN SENIOR VICE PRESIDENT	(i) (ii)	438,134 ------------- 0	230,300 ------------- 0	187,317 ------------- 0	146,790 ------------- 0	26,440 ------------- 0	1,028,981 ------------- 0	30,390 ------------- 0
5KARI J HEDGES SENIOR VICE PRESIDENT	(i) (ii)	381,061 ------------- 0	245,200 ------------- 0	224,142 ------------- 0	130,242 ------------- 0	47,040 ------------- 0	1,027,685 ------------- 0	62,806 ------------- 0
6WILLIAM A BRESKIN SENIOR VICE PRESIDENT	(i) (ii)	359,453 ------------- 0	219,700 ------------- 0	228,555 ------------- 0	235,853 ------------- 0	18,071 ------------- 0	1,061,632 ------------- 0	------------- 0
7MAUREEN E SULLIVAN SENIOR VICE PRESIDENT	(i) (ii)	449,613 ------------- 0	220,000 ------------- 0	106,631 ------------- 0	58,890 ------------- 0	28,008 ------------- 0	863,142 ------------- 0	------------- 0
8WILLIAM S NEHS SENIOR VICE PRESIDENT	(i) (ii)	508,110 ------------- 0	231,200 ------------- 0	4,373 ------------- 0	14,014 ------------- 0	50,185 ------------- 0	807,882 ------------- 0	------------- 0
9LACHLAN TIDMARSH SENIOR VICE PRESIDENT	(i) (ii)	644,182 ------------- 0	51,000 ------------- 0	945 ------------- 0	14,250 ------------- 0	31,524 ------------- 0	741,901 ------------- 0	------------- 0
10TERRY COONEY VICE PRESIDENT	(i) (ii)	278,809 ------------- 0	140,900 ------------- 0	221,145 ------------- 0	140,377 ------------- 0	49,213 ------------- 0	830,444 ------------- 0	------------- 0
11KATHY DIDAWICK VICE PRESIDENT	(i) (ii)	307,677 ------------- 0	120,700 ------------- 0	184,913 ------------- 0	85,508 ------------- 0	39,052 ------------- 0	737,850 ------------- 0	51,174 ------------- 0
12KRIS O HALTMEYER VICE PRESIDENT	(i) (ii)	318,330 ------------- 0	123,800 ------------- 0	152,544 ------------- 0	88,118 ------------- 0	35,418 ------------- 0	718,210 ------------- 0	15,549 ------------- 0
13PAUL GERRARD VICE PRESIDENT	(i) (ii)	225,082 ------------- 0	110,700 ------------- 0	237,025 ------------- 0	12,256 ------------- 0	46,821 ------------- 0	631,884 ------------- 0	------------- 0
14JOHN CERISANO VICE PRESIDENT	(i) (ii)	287,673 ------------- 0	114,600 ------------- 0	128,464 ------------- 0	91,470 ------------- 0	49,315 ------------- 0	671,522 ------------- 0	7,970 ------------- 0
15KELLY WILLIAMS VICE PRESIDENT	(i) (ii)	295,477 ------------- 0	230,200 ------------- 0	1,417 ------------- 0	9,869 ------------- 0	12,078 ------------- 0	549,041 ------------- 0	------------- 0
16MARK TALLUTO VICE PRESIDENT	(i) (ii)	325,709 ------------- 0	140,900 ------------- 0	3,569 ------------- 0	9,855 ------------- 0	34,833 ------------- 0	514,866 ------------- 0	------------- 0
17VINCENT NELSON VICE PRESIDENT	(i) (ii)	353,569 ------------- 0	113,500 ------------- 0	860 ------------- 0	14,250 ------------- 0	43,357 ------------- 0	525,536 ------------- 0	0 ------------- 0
18PETAR NAUMOVSKI VICE PRESIDENT	(i) (ii)	215,473 ------------- 0	250,000 ------------- 0	1,070 ------------- 0	14,061 ------------- 0	24,867 ------------- 0	505,471 ------------- 0	0 ------------- 0
19JULIE KOEWLER VICE PRESIDENT	(i) (ii)	321,684 ------------- 0	138,500 ------------- 0	2,400 ------------- 0	14,250 ------------- 0	42,289 ------------- 0	519,123 ------------- 0	0 ------------- 0
20JOHN JOYCE JR VICE PRESIDENT	(i) (ii)	278,633 ------------- 0	102,000 ------------- 0	80,823 ------------- 0	126,820 ------------- 0	31,471 ------------- 0	619,747 ------------- 0	9,486 ------------- 0
21DAVID YODER VICE PRESIDENT	(i) (ii)	294,743 ------------- 0	125,000 ------------- 0	4,644 ------------- 0	13,937 ------------- 0	40,510 ------------- 0	478,834 ------------- 0	0 ------------- 0
22JENNIFER ATKINS VICE PRESIDENT	(i) (ii)	287,276 ------------- 0	124,000 ------------- 0	2,399 ------------- 0	14,250 ------------- 0	46,974 ------------- 0	474,899 ------------- 0	0 ------------- 0
23RICH CULLEN VICE PRESIDENT	(i) (ii)	246,747 ------------- 0	112,700 ------------- 0	44,411 ------------- 0	139,241 ------------- 0	44,497 ------------- 0	587,596 ------------- 0	12,822 ------------- 0
24MELISSA ROTUNNO VICE PRESIDENT	(i) (ii)	235,752 ------------- 0	98,500 ------------- 0	50,883 ------------- 0	100,039 ------------- 0	33,403 ------------- 0	518,577 ------------- 0	9,926 ------------- 0
25REED MELTON VICE PRESIDENT	(i) (ii)	231,509 ------------- 0	79,400 ------------- 0	51,667 ------------- 0	128,183 ------------- 0	8,779 ------------- 0	499,538 ------------- 0	34,725 ------------- 0
26BRAD LUBRANT VICE PRESIDENT	(i) (ii)	233,875 ------------- 0	85,000 ------------- 0	39,274 ------------- 0	160,200 ------------- 0	35,978 ------------- 0	554,327 ------------- 0	19,543 ------------- 0
27ERIC WILKERSON VICE PRESIDENT	(i) (ii)	269,294 ------------- 0	85,100 ------------- 0	461 ------------- 0	12,233 ------------- 0	11,553 ------------- 0	378,641 ------------- 0	0 ------------- 0
28NISHA K LULLA VICE PRESIDENT	(i) (ii)	246,753 ------------- 0	100,100 ------------- 0	216 ------------- 0	10,802 ------------- 0	40,001 ------------- 0	397,872 ------------- 0	0 ------------- 0
29NGAN MACDONALD VICE PRESIDENT	(i) (ii)	196,812 ------------- 0	65,462 ------------- 0	567 ------------- 0	1,906 ------------- 0	23,498 ------------- 0	288,245 ------------- 0	0 ------------- 0
30JOHN BANTA EXECUTIVE DIRECTOR	(i) (ii)	277,226 ------------- 0	313,300 ------------- 0	6,874 ------------- 0	9,472 ------------- 0	41,771 ------------- 0	648,643 ------------- 0	179,300 ------------- 0
31DENISE SCHOFIELD EXECUTIVE DIRECTOR	(i) (ii)	337,252 ------------- 0	90,000 ------------- 0	39,254 ------------- 0	137,006 ------------- 0	515 ------------- 0	604,027 ------------- 0	5,958 ------------- 0
32JEFFREY BERTA EXECUTIVE DIRECTOR	(i) (ii)	257,192 ------------- 0	84,500 ------------- 0	60,044 ------------- 0	91,301 ------------- 0	28,956 ------------- 0	521,993 ------------- 0	6,812 ------------- 0
33NAOMI ARONSON EXECUTIVE DIRECTOR	(i) (ii)	241,871 ------------- 0	52,200 ------------- 0	74,152 ------------- 0	16,241 ------------- 0	15,536 ------------- 0	400,000 ------------- 0	0 ------------- 0
34DOUGHTON LAWRENCE EXECUTIVE DIRECTOR	(i) (ii)	238,169 ------------- 0	62,000 ------------- 0	63,622 ------------- 0	87,032 ------------- 0	12,317 ------------- 0	463,140 ------------- 0	5,651 ------------- 0
35JODY VOSS VICE PRESIDENT	(i) (ii)	0 ------------- 0	0 ------------- 0	121,598 ------------- 0	0 ------------- 0	0 ------------- 0	121,598 ------------- 0	0 ------------- 0
36WILLIAM O'LOUGHLIN VICE PRESIDENT	(i) (ii)	0 ------------- 0	0 ------------- 0	120,685 ------------- 0	0 ------------- 0	0 ------------- 0	120,685 ------------- 0	0 ------------- 0
37TRENT HAYWOOD SENIOR VICE PRESIDENT	(i) (ii)	0 ------------- 0	0 ------------- 0	114,610 ------------- 0	0 ------------- 0	0 ------------- 0	114,610 ------------- 0	0 ------------- 0

Schedule J (Form 990) 2020

Page 3

Part III

Supplemental Information

Provide the information, explanation, or descriptions required for Part I, lines 1a, 1b, 3, 4a, 4b, 4c, 5a, 5b, 6a, 6b, 7, and 8, and for Part II. Also complete this part for any additional information.

Return Reference	Explanation
FORM 990, SCHEDULE J, PART I, LINE 1A	AS AN ORGANIZATION SERVING A SYSTEM OF LOCALLY BASED INDEPENDENT PLANS OFFERING HEALTH INSURANCE IN ALL 50 STATES, DC AND PUERTO RICO, THE ASSOCIATION'S OFFICERS ARE EXPECTED TO MAINTAIN AN UNUSUALLY DEMANDING TRAVEL SCHEDULE. A COMMITTEE OF THE ASSOCIATION'S BOARD COMPRISED OF INDEPENDENT PLAN EXECUTIVES HAS ESTABLISHED CEO TRAVEL POLICIES DESIGNED TO ASSURE THE ORGANIZATION IS ABLE TO MEET THE CEO'S TRAVEL COMMITMENTS,INCLUDING TRAVEL TO UNDERSERVED REGIONAL DESTINATIONS. THESE POLICIES INCLUDE THE USE OF CHARTER AIRCRAFT AND FIRST CLASS TRAVEL ON SCHEDULED COMMERCIAL FLIGHTS UNDER CERTAIN LIMITED CIRCUMSTANCES. THE ASSOCIATION HAS DESIGNED A COMPREHENSIVE FINANCIAL AND SERVICE-RELOCATION PROGRAM TO ASSIST RELOCATING EMPLOYEES AND NEW HIRES WITH THE RELOCATION PROCESS. THE ASSOCIATION MAY PROVIDE A TAX GROSS UP ON ALL OR PART OF A RELOCATING EMPLOYEE'S TAXABLE RELOCATION EXPENSES IN ORDER TO ASSIST THE RELOCATING EMPLOYEE OR NEW HIRE FOR NEGATIVE TAX CONSEQUENCES DUE TO TAXATION OF RELOCATION EXPENSE REIMBURSEMENTS. THE EXPENSES ARE REIMBURSED AND INCLUDED IN TAXABLE COMPENSATION, IF APPLICABLE, IN ACCORDANCE WITH THE ASSOCIATION'S POLICY. TO FACILITATE BUSINESS MEETINGS WITH VISITING PLAN OFFICIALS AND OTHERS, AND TO FOSTER SOCIAL INTERACTION SERVING THE INTERESTS OF THE ASSOCIATION AND TO FOSTER THEIR GOOD HEALTH, THE ASSOCIATION REIMBURSES A LUNCHEON CLUB MEMBERSHIP FOR OFFICERS. THE EXPENSES ARE REIMBURSED AND INCLUDED IN TAXABLE COMPENSATION, IF APPLICABLE, IN ACCORDANCE WITH THE ASSOCIATION'S POLICY.
FORM 990, SCHEDULE J, PART I, LINE 3	THE COMPENSATION OF THE CEO AND THE CONTINUED RETENTION OF THAT PROFESSIONAL'S SERVICES ARE APPROVED EACH YEAR BY A COMMITTEE OF THE ASSOCIATION'S BOARD COMPRISED OF INDEPENDENT PLAN EXECUTIVES. THAT COMMITTEE ACTS AFTER DELIBERATIONS BASED UPON ADVICE FROM A QUALIFIED INDEPENDENT COMPENSATION CONSULTING FIRM. THE CONSULTANT'S ADVICE AND THOSE DELIBERATIONS INCLUDE A REVIEW OF THE RESULTS OF THE INDEPENDENT CONSULTANT'S RESEARCH REGARDING COMPENSATION PAID BY OTHER ORGANIZATIONS FOR OFFICERS SERVING IN CAPACITIES COMPARABLE TO THAT OF THE ASSOCIATION'S CEO. EACH YEAR THIS COMMITTEE'S DECISIONS ARE REPORTED TO THE FULL BOARD DURING A REGULARLY SCHEDULED MEETING. THE BOARD DELIBERATES ON BOTH MATTERS. EXTENSION OF THE PERIOD OF THE CEO'S SERVICE REQUIRES ACTION BY THE FULL BOARD. THE COMPENSATION DETERMINATIONS OF THE COMMITTEE STAND APPROVED UNLESS THE BOARD EXERCISES ITS INHERENT PREROGATIVE TO MODIFY THE COMMITTEE'S COMPENSATION DECISIONS. THE SAME COMMITTEE OF INDEPENDENT PLAN EXECUTIVES ANNUALLY RECEIVES THE CEO'S RECOMMENDATIONS REGARDING THE COMPENSATION TO BE PAID TO THE OFFICERS. AS WITH THE CEO'S COMPENSATION, THE DELIBERATIONS OF THIS COMMITTEE AND ITS DECISIONS TO APPROVE OR MODIFY THE CEO'S COMPENSATION ARE BASED UPON THE RESULTS OF AN INDEPENDENT CONSULTANT'S MARKET RESEARCH REGARDING COMPARABLE OFFICER PAY AND THE INDEPENDENT CONSULTANT'S ADVICE.
FORM 990, SCHEDULE J, PART I, LINE 4	QUESTION 4A - TWO OFFICERS RECEIVED SEVERANCE PAY DURING 2020: Paul Gerrard - 233,579 Ngan MacDonald - 123,250 QUESTION 4B - AS REQUIRED BY THE INSTRUCTIONS TO FORM 990, SCHEDULE J, PART II, A HYPOTHETICAL SERP ACCRUAL OF ADDITIONAL VESTED BENEFITS WAS CALCULATED FOR EACH REPORTABLE PERSON WHO WAS ELIGIBLE TO PARTICIPATE IN THAT PROGRAM. THE ACCRUAL AMOUNTS WERE DETERMINED USING THE ASSOCIATION'S BEST ESTIMATE OF THE ACTUARIAL VALUE OF THE ADDITIONAL VESTED BENEFITS. ADDITIONAL VESTED BENEFITS UNDER THE SERP ARE TAXED AND INCLUDED IN FORM W-2 BASED ON INCOME TAX REGULATIONS, WHICH DIFFER FROM THE INSTRUCTIONS TO SCHEDULE J. BECAUSE THE INSTRUCTIONS TO SCHEDULE J SPECIFY THAT AMOUNTS REPORTED IN COLUMNS B(I) THROUGH B(III), I.E., AMOUNTS REPORTED ON FORM W-2, SHOULD NOT BE REPORTED AGAIN IN COLUMN C OR D, THE AMOUNT OF IMPUTED SERP INCOME REPORTED IN FORM W-2 AND COLUMN B(III) WAS SUBTRACTED IN EACH CASE FROM THE HYPOTHETICAL SERP ACCRUAL OF ADDITIONAL VESTED BENEFITS. THE BALANCE OF THE HYPOTHETICAL ACCRUAL WAS INCLUDED IN COLUMN C FOR THE APPLICABLE REPORTABLE PERSONS AS FOLLOWS: SCOTT P SEROTA - 0 WILLIAM A BRESKIN - 124,501 JOHN CERISANO - 0 TERRY COONEY - 44,084 RICH CULLEN - 64,631 KATHY RIPLEY DIDAWICK - 0 KRIS O HALTMEYER - 7,732 JUSTINE HANDELMAN - 81,679 KARI J HEDGES - 58,908 MIKE JOYCE - 38,961 BRAD LUBRANT - 23,654 MELISSA ROTUNNO - 20,764 MELTON REED - 3,942 MAUREEN SULLIVAN - 18,264 JENNIFER VACHON - 208,643 DENISE SCHOFIELD - 51,669 DOUGHTON LAWRENCE - 0 JEFFREY BERTA - 8,699 THE COMBINED TOTAL OF IMPUTED SERP INCLUDED IN COLUMN C: 756,131
FORM 990, SCHEDULE J, PART I, LINE 7	THE ASSOCIATION MAINTAINS AN ASSOCIATION WIDE ANNUAL PERFORMANCE BONUS PROGRAM THAT ASSURES A PORTION OF EMPLOYEE'S ANNUAL COMPENSATION IS CONTINGENT UPON THE ATTAINMENT OF PRE-APPROVED ORGANIZATIONAL PERFORMANCE GOALS, AS WEIGHTED BY THE PERFORMANCE MEASUREMENT PROCESS THAT EVALUATES EACH INDIVIDUAL EMPLOYEES'S EFFORTS. OFFICERS, LIKE ALL EMPLOYEES, ARE ELIGIBLE TO PARTICIPATE IN THIS PROGRAM. THE PERFORMANCE GOALS AND THE BUDGET FOR THIS BONUS PROGRAM ARE APPROVED EACH YEAR BY THE ASSOCIATION'S BOARD BASED UPON RECOMMENDATIONS FROM A BOARD COMMITTEE CONSISTING OF INDEPENDENT PLAN EXECUTIVES. MOREOVER, THE PERFORMANCE ASSESSMENT JUDGMENTS AND THE APPROVAL OF ACTUAL PAYOUTS REQUIRE APPROVAL BY THAT COMMITTEE. THE CEO AND AN EXECUTIVE DIRECTOR PARTICIPATE IN SEPARATE LONG TERM INCENTIVE BONUS PROGRAMS. AS WITH THE REGULAR PERFORMANCE BONUS PROGRAMS, PAYOUTS UNDER THESE LONG TERM INCENTIVE PROGRAMS REFLECT THE EXTENT TO WHICH PRE-ESTABLISHED PERFORMANCE GOALS ARE REACHED. HOWEVER, UNLIKE THE ANNUAL PERFORMANCE BONUS PROGRAM, THE LONG TERM INCENTIVE PROGRAMS OPERATE ON A MULTI-YEAR CYCLE TO ASSURE THAT THE CEO AND AN EXECUTIVE DIRECTOR HAVE INCENTIVES THAT LOOK BEYOND THE IMMEDIATE YEAR. UNDER THE CEO'S PROGRAM, THE PERFORMANCE MEASUREMENTS AND THE ASSESSMENT OF THE ACHIEVEMENT OF THOSE GOALS AND THE RESULTING PAYOUT AMOUNTS ARE ALL APPROVED BY THE SAME BOARD COMMITTEE DESCRIBED ABOVE AND REPORTED TO THE FULL BOARD. THE COMMITTEE'S DELIBERATIONS REGARDING THE ESTABLISHMENT OF THE PROGRAM, THE SELECTION OF THE PERFORMANCE FACTORS AND ASSESSMENT OF PERFORMANCE ALL INCLUDE CONSULTATION AND RECOMMENDATION FROM A QUALIFIED INDEPENDENT COMPENSATION CONSULTANT BASED UPON A MARKET STUDY OF COMPARABLE PROGRAMS FOR COMPARABLE EXECUTIVES. UNDER THE EXECUTIVE DIRECTOR'S PROGRAM, THE PERFORMANCE MEASUREMENT IS BASED ON THE PERFORMANCE OF SPECIFIED INVESTMENTS.

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