Form 5500 · Employee benefit plan · SPOKANE, WA
AVISTA CORPORATION
The filing calls this plan AVISTA EMPLOYEES' BENEFIT PLAN.
AVISTA CORPORATION of SPOKANE, WA is a 1,829-participant utilities employer — a large group whose insured benefits are disclosed on Schedule A of its Form 5500. Its broker of record is MERCER HEALTH & BENEFITS - SPO. Coverage is written through DELTA DENTAL OF WASHINGTON and 4 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 91-1153956 · plan 520 · plan year 2024, filed Oct 15, 2025
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1,162 other employer plans in Washington have policy years ending in December. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Funding not settled by the filing
The filing does not report enough to settle how this plan pays for benefits.
Benefits declared on this filing
3 contracts on this filing do not say which benefits they cover, so a line above may be insured by one of them.
Also declared: prepaid legal, other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 6 insured contracts covering dental, life and disability; the largest, with DELTA DENTAL OF WASHINGTON, covers 5,849 people.
The filing declares dental, life, disability, health and vision. Health and vision appear with no insured contract on Schedule A. That coverage may be self-funded, placed with a carrier that is not on this filing, or written on one of the 3 contracts here that do not say what they cover.
Reported premium across the insured contracts is $5,550,811, with $117,794 in disclosed broker commissions — about 2.1% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
MERCER HEALTH & BENEFITS - SPO is the broker of record on 2 of the 6 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life | 1,838 | Jan 1, 2025 | $1,924,058 | $53,229 |
| DELTA DENTAL OF WASHINGTON | Dental | 5,849 | Jan 1, 2025 | $2,704,766 | $26,453 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Disability | 1,748 | Jan 1, 2025 | $740,984 | $20,592 |
| LEGAL ACCESS CONSULTING, LLC | — | 449 | Jan 1, 2025 | $74,526 | $11,179 |
| JOHN HANCOCK LIFE INSURANCE COMPANY | — | 50 | Jan 1, 2025 | $75,911 | $6,341 |
| CURALINC LLC | — | 1,865 | Jan 1, 2025 | $30,566 | $0 |
Premium and claims on this contract
DELTA DENTAL OF WASHINGTON, contract 00652. For the contract year on this filing, the carrier reported $2,704,766 in premium earned and $2,516,123 in claims incurred. Dividing one by the other gives 93%.
- DELTA DENTAL OF WASHINGTON, contract 00652 reported $212,093 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
Other plans filed by this employer
How this plan compares
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Renewal calendar
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