About us

Since 1984, CPN has been committed to providing superior administration services for a very diverse group of clients nationally. CPN is an independent, third-party contract administrator offering full-service administration for Section 125 plans, commonly referred to as Flexible Benefits Plans, Flexible Spending Accounts, or Cafeteria Plans. CPN also offers administration services for Health Reimbursement Arrangements and Health Savings Accounts. CPN specializes in the design, implementation, and support of these employee benefit plans. Our reputation for efficient Plan management and dependable claims paying activities is unparallel.

Since 2004, CPN has become a regional leader in providing diverse plan design options for implementation of Health Reimbursement Arrangements. The success and consistent growth of CPN can be attributed to our state-of-the-art system, together with qualified, experienced personnel.

Alan Lane, President, and Dorothy Lane, Director of Compliance and Administration Services, have been with CPN since its inception in 1984. Each has been awarded the designation of Certified in Flexible Compensation (CFC) by the Employers Council on Flexible Compensation (ECFC). Achieving this designation requires a proficiency in the design, administration, IRS code/regulations, and ethical standards of Section 125 Plans. This is the highest professional certification for practitioners in flexible compensation available from ECFC's Academy for Professional and Ethical Standards. Less than one percent of practitioners nationwide have earned this designation.


  • Administration of both general purpose FSAs including healthcare and dependent care, limited FSAs for dental and vision. As well as administration for HRAs and QSEHRAs.
  • HSAs offered by HSA Bank and HealthEquity
  • Consulting Services
  • Complete Plan Designs
  • Plan Implementation, including Plan Documents
  • Electronic Enrollment Materials
  • On-site Enrollment Educational meetings
  • Participant Policies and Procedures provided
  • Participant contributions transferred by ACH
  • Participants' claims received by mail, email, fax or sent using CPNFLEX mobile app
  • Emailed and/or text (via mobile devise) notification when claim is submitted and paid
  • Weekly processing of claim submissions using free Direct Deposit or check mailed directly to participant
  • Administration of 2½ month extension and carryover provision
  • Debit Card Feature available
  • Cards for spouse/dependent at no additional charge
  • Online participant Consumer Portal account activity 24/7 (www.cpnflex.com/ Click on "Employee Login") and CPNFLEX mobile app
  • Secured Employer Portal access 24/7 (www.cpnflex.com/ Click on "Employer Login")
  • Toll-free customer service 8:00 a.m. to 4:30 p.m., CST Monday – Friday, with exception of holidays
  • Lost/stolen CPNFLEX debit card reporting available 24/7 from participants Consumer Portal, CPNFLEX mobile app, or by submitting a request via email to claims@cpnflex.com; Subject Line: Report Card Lost/Stolen
  • Simplified renewal process
  • Discrimination testing
  • IRS Form 5500 completion

Claim Adjudication

CPN reviews all HRA and FSA claims submitted.

The IRS requires reimbursement claims (debit card substantiation) submitted include an EOB (Explanation of Benefits), Itemized Statement or pharmacy receipt (for mom-pop pharmacy providers) in which must include the following information:

HRA plans (EOB required) / FSA plans (Itemized Statement and/or EOB required):

  • Date of Service
  • Type of Service (i.e. co-pay, co-insurance, deductible)
  • If EOB, amount applied toward the deductible
  • Name of item purchased / type of service rendered
  • Prescription drug number
  • Dollar amount of item/service
  • Name of service provider or merchant

2½ Month Extension Period

CPN provides administration for the 2½ Month Extension at no additional cost. During the extension period, services will pay first from prior year balances, if funds are available. If only partial funds are available, the claim/debit card swipe will be split between the prior and current plan years. If no funds are available on the prior year, the claim/debit card swipe will pay from the current plan year. Participants must pay close attention to the date of service they are paying. Prior year dates of service cannot be paid using current funds. If so, the participant would be required to pay those funds back out-of-pocket.

FSA Carryover Provision

CPN provides administrator for the FSA Carryover at no additional cost. After an employer’s End of Plan Year "run-off" period has expired, which allows a certain number of days after a plan year has ended for a participant to file prior year dates of service and get reimbursed against prior year funds. After this period, any unused Health FSA dollars, up to a certain dollar limit, will carryover to the current plan year. Those funds are able to be used for current plan year dates of service. To find out if your employer offers this provision, and what the carryover allowed amount, please refer to your employer's FACT SHEET located on your Consumer Portal.

***Note: An employer cannot offer both the 2½ Month Extension and the Carryover provision. It is one or the other.

Renewal File Formats

CPN provides an annual enrollment renewal Import Enrollment File (with instructions for completion), to all employers. Once the employer sends back the password protected Import Enrollment File (Microsoft Excel format), the data is uploaded into CPN's database to ensure accuracy. Any current employee already in CPN's database, the information on the import file provided by the employer, such as address, date of birth, SSN, etc., will be replaced with the data on the newly provided file. An email confirmation is submitted to the employer so they may double check their records.

Discrimination Testing

Part of CPN's administrative fees include the testing of 25% Key Employee Concentration Test and 55% Dependent Care Test. This is done after each annual enrollment period. CPN will provide a non-discrimination testing report showing the test results. If the employer fails any one of the Standard Tests, CPN will recommend the proper steps to bring the plan into compliance.

5500 Completion

Employers required to file Form 5500 are those with 100 or more health FSA & HRA participants.

Mission Statement

Our mission is to continue to set standards of excellence for the administration of employer-provided flexible benefits programs. Our company's success, which is characterized by responsiveness to employer's and employee's needs, has been founded on our dedication and commitment to provide the most outstanding service to each and every client. Our expert team will partner with employers to educate employees and to provide exceptional support services enabling them to get the most from their benefit dollar.

Our greatest strengths are in our ability to maintain client relationships, maintain the highest ethical standards, and to recognize our greatest assets are our employees' and clients' reputation.

2024 CPN Holiday Schedule

New Year's Day (2024) – Closed Monday, January 1st
Good Friday – Closed Friday, March 29th
Memorial Day – Closed Monday, May 27th
Independence Day – Closed Thursday, July 4th
Labor Day – Closed Monday, September 2nd
Thanksgiving – Closed Thursday, November 28th & Friday, November 29th
Christmas – Closed Tuesday, December 24th & Wednesday, December 25th
New Year's Day (2025) – Closed Wednesday, January 1st