Form 5500 · Employee benefit plan · MUKILTEO, WA

BUSINESS HEALTH TRUST

Name: BUSINESS HEALTH TRUST — Form 5500 benefit plan
Creator: Form5500Lookup
License: https://www.usa.gov/government-works

The filing calls this plan BUSINESS HEALTH TRUST ARRANGEMENT.

BUSINESS HEALTH TRUST of MUKILTEO, WA spreads its employee benefits across 5 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is ABD INSURANCE AND FINANCIAL SERVICE. Coverage is written through PREMERA BLUE CROSS and 4 other carriers. The plan's most recent policy period ended in December.

Benefits broker of record

ABD INSURANCE AND FINANCIAL SERVICE

Insurance carrier

PREMERA BLUE CROSS

Policy year ends

Decemberas filed for plan year 2024

Sourced from U.S. DOL EFAST2 Form 5500 · EIN 36-7481494 · plan 501 · plan year 2024, filed Oct 15, 2025

Get an email when this employer files a new Form 5500, and again about four months before its plan renews.

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

Both, as reported

The filing reports both insurance premium and benefits paid from the plan's own money, and the two amounts do not line up.

A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.

The filing says this plan is subject to the Form M-1 requirement for multiple-employer welfare arrangements.

All participants at the start of the year

16,388

Active at start of year

16,388

Active at end of year

16,967

Disclosed commissions

$349

Typical renewal

January 1

Benefits declared on this filing

Healthinsured — PREMERA BLUE CROSS17,169 of 16,388 participants

Dentalinsured — DELTA DENTAL OF WASHINGTON16,057 of 16,388 participants (98%)

Visioninsured — VISION SERVICE PLAN10,037 of 16,388 participants (61%)

Lifeinsured — LIFEMAP ASSURANCE COMPANY13,988 of 16,388 participants (85%)

Disabilityinsured — LIFEMAP ASSURANCE COMPANY13,988 of 16,388 participants (85%)

Also declared: 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 5 insured contracts covering health, dental, vision, life and disability; the largest, with PREMERA BLUE CROSS, covers 17,169 people.

Reported premium across the insured contracts is $109,929,779, with $349 in disclosed broker commissions — about 0% 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.

ABD INSURANCE AND FINANCIAL SERVICE is the broker of record on 1 of the 5 contracts; the rest name a different broker or none.

5 carriers appear on the filing, including PREMERA BLUE CROSS, DELTA DENTAL OF WASHINGTON, VISION SERVICE PLAN and LIFEMAP ASSURANCE COMPANY. PREMERA BLUE CROSS writes the largest contract by premium.

Schedule A insurance contracts

Carrier	Benefits	Covered	Renews	Premium	Commission
NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA	—	21	Jan 1, 2025	$2,321	$349
PREMERA BLUE CROSS	Health	17,169	Jan 1, 2025	$100,746,774	$0
DELTA DENTAL OF WASHINGTON	Dental	16,057	Jan 1, 2025	$7,806,260	$0
VISION SERVICE PLAN	Vision	10,037	Jan 1, 2025	$781,080	$0
LIFEMAP ASSURANCE COMPANY	Life, Disability	13,988	Jan 1, 2025	$593,344	$0

Premium and claims on this contract

DELTA DENTAL OF WASHINGTON, contract 9281-9614. For the contract year on this filing, the carrier reported $7,806,260 in premium earned and $7,071,134 in claims incurred. Dividing one by the other gives 91%.

DELTA DENTAL OF WASHINGTON, contract 9281-9614 reported $843,076 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.

See the filing at the Department of Labor

Administrator and service providers

Plan administrator on the filing

BUSINESS HEALTH TRUST

EIN 36-7481494

ABD INSURANCE & FINANCIAL SERVICES,

Recordkeeping and information management · EIN 27-0672528

$3,952,433

paid directly by the plan

VIMLY BENEFIT SOLUTIONS, INC.

Accounting and audit · Contract administrator · Recordkeeping and information management · EIN 91-1603312

$2,662,554

paid directly by the plan

IMPACT ACCOUNTING SERVICES, LLC

Contract administrator · Recordkeeping and information management · EIN 45-2647626

$1,459,413

paid directly by the plan

DIGITAL INSURANCE, INC.

Named on Schedule C · EIN 58-2522668

$878,233

paid directly by the plan

HUB INTERNATIONAL NORTHWEST, LLC

Named on Schedule C · EIN 91-2036015

$613,673

paid directly by the plan

PARKER, SMITH AND FEEK, INC.

Named on Schedule C · EIN 91-0660018

$494,730

paid directly by the plan

PCF INSURANCE SERVICES OF THE WEST

Named on Schedule C · EIN 82-1368960

$261,197

paid directly by the plan

JS EVENSON, LLC

Named on Schedule C · EIN 84-3523489

$256,000

paid directly by the plan

BTG AND ASSOCIATES DBA BTG BENEFITS

Named on Schedule C · EIN 84-3131974

$246,692

paid directly by the plan

ACRISURE NW PARTNERS INSURANCE SERV

Named on Schedule C · EIN 92-1242214

$242,258

paid directly by the plan

SAPPER INSURANCE, LLC

Named on Schedule C · EIN 84-3132250

$231,680

paid directly by the plan

BELL-ANDERSON AGENCY, INC.

Named on Schedule C · EIN 91-0756278

$201,570

paid directly by the plan

MADDOCK & ASSOCIATES, LLC

Named on Schedule C · EIN 83-2655931

$196,217

paid directly by the plan

ASSUREDPARTNERS OF WA LLC

Named on Schedule C · EIN 38-3942963

$194,018

paid directly by the plan

SPRAGUE ISRAEL GILES INSURANCE, INC

Named on Schedule C · EIN 91-0683304

$139,608

paid directly by the plan

WHITFIELDS UNITED INSURANCE AGENCIE

Named on Schedule C · EIN 91-1366133

$128,795

paid directly by the plan

MARSH USA, INC.

Named on Schedule C · EIN 26-3237576

$120,837

paid directly by the plan

CUMMINGS, FRASER & ASSOCIATES, LLC

Named on Schedule C · EIN 68-0609841

$111,080

paid directly by the plan

MANNA INSURANCE GROUP, LLC

Named on Schedule C · EIN 47-5506402

$86,187

paid directly by the plan

BROWN & BROWN INSURANCE SERVICES, I

Named on Schedule C · EIN 59-0691921

$84,940

paid directly by the plan

DAVIS WRIGHT TREMAINE, LLP

Named on Schedule C · EIN 91-0839480

$83,696

paid directly by the plan

WALLINGFORD FINANCIAL AND COLLEGE P

Named on Schedule C · EIN 71-0907082

$78,903

paid directly by the plan

OLYMPIC CREST INSURANCE, INC.

Named on Schedule C · EIN 91-1717576

$77,370

paid directly by the plan

AFFILIATED SERVICES, LLC

Named on Schedule C · EIN 30-0663844

$77,086

paid directly by the plan

TERRILL LEWIS AND WILKE INSURANCE

Named on Schedule C · EIN 91-1337671

$76,833

paid directly by the plan

The plan administrator is from line 3a of the main form. The service providers are named on Schedule C of this filing. We publish company names only.

Money the plan held and paid out

Plan assets at year end

$18,918,538

Paid out in benefits

$134,289,765

Paid to insurance carriersSchedule H, line 2e(2)

$134,204,205

Independent accountantEIN 91-6056560

ANASTASI, MOORE & MARTIN, PLLC

Accountant's opinion (Schedule H, line 3a)

Unmodified

Audit fee

$38,400

Sourced from U.S. DOL EFAST2 Form 5500 · Schedule H

These are the plan's own figures from Schedule H, the financial statement it files. They are not the premium on Schedule A.

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