Form 5500 · Employee benefit plan · SPOKANE, WA
CERIUM NETWORKS, INC.
CERIUM NETWORKS, INC. of SPOKANE, WA is a 154-participant retail employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is HUB INTERNATIONAL NORTHWEST, LLC. Coverage is written through DELTA DENTAL OF WASHINGTON and 3 other carriers. The plan's most recent policy period ended in February.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 91-2059896 · plan 501 · plan year 2025, filed Aug 19, 2025
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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
Also declared: death benefits.
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.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
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 4 insured contracts covering dental, vision, life and disability; the largest, with DELTA DENTAL OF WASHINGTON, covers 193 people.
The filing declares dental, vision, life, disability and health. Health appears with no insured contract on Schedule A. That coverage may be self-funded, or placed with a carrier that is not on this filing.
Reported premium across the insured contracts is $226,359, with $21,214 in disclosed broker commissions — about 9.4% of premium.
The most recent policy period ended in February, and the plan year ends February 28. Group contracts typically renew on that annual cycle.
HUB INTERNATIONAL NORTHWEST, LLC is the broker of record on 2 of the 4 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, Disability | 66 | Mar 1, 2025 | $89,873 | $13,631 |
| DELTA DENTAL OF WASHINGTON | Dental | 193 | Mar 1, 2025 | $110,791 | $5,540 |
| USABLE LIFE | Life | 137 | Mar 1, 2025 | $12,930 | $1,132 |
| VISION SERVICE PLAN | Vision | 108 | Mar 1, 2025 | $12,765 | $911 |
Premium and claims on this contract
DELTA DENTAL OF WASHINGTON, contract 10010. For the contract year on this filing, the carrier reported $110,791 in premium earned and $88,507 in claims incurred. Dividing one by the other gives 80%.
- DELTA DENTAL OF WASHINGTON, contract 10010 reported $19,721 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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