Form 5500 · Employee benefit plan · FERNDALE, WA
HEALTHY PET
The filing calls this plan HEALTHY PET WELFARE PLAN.
HEALTHY PET of FERNDALE, WA is a 158-participant manufacturing employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is THE NULTY AGENCY INC.. Coverage is written through UNITEDHEALTHCARE INSURANCE COMPANY and 2 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 88-0209807 · plan 501 · plan year 2023, filed Oct 16, 2024
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How this plan is funded
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
Benefits declared on this filing
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.
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 3 insured contracts covering health, dental, life and disability; the largest, with UNITEDHEALTHCARE INSURANCE COMPANY, covers 189 people.
Reported premium across the insured contracts is $1,888,134, with $50,464 in disclosed broker commissions — about 2.7% 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.
THE NULTY AGENCY INC. is the broker of record on all 3 contracts.
3 carriers appear on the filing, including UNITEDHEALTHCARE INSURANCE COMPANY, PRINCIPAL LIFE INSURANCE COMPANY and METROPOLITAN LIFE INSURANCE COMPANY. UNITEDHEALTHCARE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| UNITEDHEALTHCARE INSURANCE COMPANY | Health | 189 | Jan 1, 2024 | $1,734,365 | $32,345 |
| PRINCIPAL LIFE INSURANCE COMPANY | Health, Life, Disability | 168 | Jan 1, 2024 | $79,693 | $10,956 |
| METROPOLITAN LIFE INSURANCE COMPANY | Dental | 265 | Jan 1, 2024 | $74,076 | $7,163 |
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.
How this plan compares
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