Form 5500 · Employee benefit plan · SPOKANE, WA
COWLES COMPANY
The filing calls this plan COWLES COMPANY GROUP BENEFIT PLAN.
COWLES COMPANY of SPOKANE, WA insures health, life, disability and stop-loss coverage for its employees, per Schedule A of its Form 5500. Its broker of record is ALLIANT INSURANCE SERVICES, INC.. Coverage is written through SUN LIFE ASSURANCE COMPANY OF CANADA and 3 other carriers. The plan's most recent policy period ended in January.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 91-0420030 · plan 502 · plan year 2024, filed Oct 6, 2025
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30 other employer plans in Washington have policy years ending in January. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Self-funded as reported
The filing reports benefits paid from the plan's own money, and no medical insurance contract on Schedule A.
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.
Benefits declared on this filing
2 contracts on this filing do not say which benefits they cover, so a line above may be insured by one of them.
Also declared: death benefits, 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 4 insured contracts covering health, life, disability and stop-loss; the largest, with SUN LIFE ASSURANCE COMPANY OF CANADA, covers 453 people.
The filing declares health, life, disability and dental. Dental appears 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 2 contracts here that do not say what they cover.
The medical plan carries stop-loss coverage: the filing reports the plan paying its own health claims, with insured protection against large ones.
Reported premium across the insured contracts is $683,517, with $11,074 in disclosed broker commissions — about 1.6% of premium.
The health contract's policy period ended in January, while at least one ancillary line's policy period ended in March. The plan is on a split renewal cycle.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| STANDARD INSURANCE COMPANY | Health, Life, Disability | 491 | Feb 1, 2024 | $220,704 | $11,074 |
| SUN LIFE ASSURANCE COMPANY OF CANADA | Stop-loss | 453 | Feb 1, 2024 | $442,117 | $0 |
| KEPRO | — | 525 | Feb 1, 2024 | $20,696 | $0 |
| HARTFORD LIFE AND ACCIDENT | — | 491 | Mar 10, 2024 | — | $0 |
Premium and claims on this contract
STANDARD INSURANCE COMPANY, contract 471422. For the contract year on this filing, the carrier reported $213,919 in premium earned and $88,705 in claims incurred. Dividing one by the other gives 41%.
- STANDARD INSURANCE COMPANY, contract 471422 reported $125,221 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. The service providers are named on Schedule C of this filing. We publish company names only.
Money the plan held and paid out
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.
Other plans filed by this employer
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