Form 5500 · Employee benefit plan · CHEWELAH, WA
NEW HEALTH PROGRAMS ASSOCIATION
The filing calls this plan NEW HEALTH PROGRAMS ASSOCIATION HEALTH AND WELFARE BENEFITS PLAN.
Public Form 5500 records show how NEW HEALTH PROGRAMS ASSOCIATION of CHEWELAH, WA, a health care and social assistance employer, structures its employee benefits. Its broker of record is HUB INTERNATIONAL, LLC. Coverage is written through UNITEDHEALTHCARE INSURANCE COMPANY and 4 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 91-1053847 · plan 501 · plan year 2025, filed Jun 15, 2026
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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: 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 5 insured contracts covering health, dental, vision and life; the largest, with UNITEDHEALTHCARE INSURANCE COMPANY, covers 160 people.
Reported premium across the insured contracts is $2,137,117, with $67,631 in disclosed broker commissions — about 3.2% 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.
HUB INTERNATIONAL, LLC is the broker of record on all 5 contracts.
5 carriers appear on the filing, including UNITEDHEALTHCARE INSURANCE COMPANY, DELTA DENTAL OF WASHINGTON, USABLE LIFE and THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA. UNITEDHEALTHCARE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| UNITEDHEALTHCARE INSURANCE COMPANY | Health | 160 | Jan 1, 2026 | $1,917,420 | $47,788 |
| USABLE LIFE | Life | 167 | Jan 1, 2026 | $43,125 | $7,019 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | 101 | Jan 1, 2026 | $41,662 | $6,082 |
| DELTA DENTAL OF WASHINGTON | Dental | 260 | Jan 1, 2026 | $119,390 | $5,965 |
| VISION SERVICE PLAN | Vision | 157 | Jan 1, 2026 | $15,520 | $777 |
Premium and claims on this contract
DELTA DENTAL OF WASHINGTON, contract 01478. For the contract year on this filing, the carrier reported $119,390 in premium earned and $86,493 in claims incurred. Dividing one by the other gives 72%.
- DELTA DENTAL OF WASHINGTON, contract 01478 reported $25,072 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.
Reported to OSHA
Reported to OSHA for 2025: 197 employees, 6 recordable cases, 0 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
How this plan compares
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