Form 5500 · Employee benefit plan · SEATTLE, WA
PATH
The filing calls this plan PATH EMPLOYEE HEALTH AND WELFARE PLAN.
Public Form 5500 records show how PATH of SEATTLE, WA, a other services employer, structures its employee benefits. Its broker of record is MERCER HEALTH AND BENEFITS, LLC. Coverage is written through KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. and 11 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 91-1157127 · plan 511 · plan year 2025, filed Sep 14, 2026
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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
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: prepaid legal, 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.
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 17 insured contracts covering health, dental, vision, life and disability; the largest, with KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC., covers 371 people.
Reported premium across the insured contracts is $9,554,771, with $390,518 in disclosed broker commissions — about 4.1% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in March. The plan is on a split renewal cycle.
MERCER HEALTH AND BENEFITS, LLC is the broker of record on 10 of the 17 contracts; the rest name a different broker or none.
12 carriers appear on the filing, including KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC., CIGNA HEALTH AND LIFE INSURANCE COMPANY, KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. and UNUM LIFE INSURANCE COMPANY OF AMERICA. KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | Health | 371 | Jan 1, 2026 | $3,778,628 | $175,488 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health | 177 | Jan 1, 2026 | $3,252,675 | $105,712 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life, Disability | 446 | Jan 1, 2026 | $635,811 | $31,791 |
| DELTA DENTAL OF WASHINGTON | Dental | 768 | Jan 1, 2026 | $488,272 | $29,591 |
| KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | Health | 80 | Jan 1, 2026 | $666,889 | $20,140 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Dental | 38 | Jan 1, 2026 | $306,243 | $9,187 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | — | 155 | Jan 1, 2026 | $40,500 | $4,689 |
| FEDERAL INSURANCE COMPANY | — | 563 | Apr 1, 2025 | $26,154 | $3,923 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | 1 | Jan 1, 2026 | $32,332 | $3,233 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life | 73 | Jan 1, 2026 | $64,124 | $3,194 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 15 | Jan 1, 2026 | $115,921 | $1,430 |
| METLIFE LEGAL PLANS | — | 47 | Jan 1, 2026 | $13,125 | $1,313 |
| DELAWARE AMERICAN LIFE INSURANCE OF AMERICA | Life, Disability | 38 | Jan 1, 2026 | $13,173 | $433 |
| UNUM INSURANCE COMPANY | — | 46 | Jan 1, 2026 | $14,076 | $394 |
| VISION SERVICE PLAN | Vision | 379 | Jan 1, 2026 | $48,266 | $0 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | — | 60 | Jan 1, 2026 | $44,347 | $0 |
| CURALINC LLC | — | 577 | Jan 1, 2026 | $14,235 | $0 |
Premium and claims on this contract
DELTA DENTAL OF WASHINGTON, contract 9091. For the contract year on this filing, the carrier reported $488,272 in premium earned and $409,145 in claims incurred. Dividing one by the other gives 84%.
- DELTA DENTAL OF WASHINGTON, contract 9091 reported $79,100 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
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