Form 5500 · Employee benefit plan · SPOKANE, WA
SPALDINGS AUTO, INC
The filing calls this plan SPALDINGS AUTO, INC. FLEXIBLE BENEFITS PLAN.
SPALDINGS AUTO, INC of SPOKANE, WA files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is ALLIANT INSURANCE SERVICES, INC.. Coverage is written through PREMERA BLUE CROSS and 1 other carrier. The plan's most recent policy period ended in June.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 91-1088022 · plan 501 · plan year 2025, filed Jan 14, 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
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 2 insured contracts covering health and dental; the largest, with PREMERA BLUE CROSS, covers 156 people.
Reported premium across the insured contracts is $1,207,514, with $41,780 in disclosed broker commissions — about 3.5% of premium.
The most recent policy period ended in June, and the plan year ends June 30. Group contracts typically renew on that annual cycle.
ALLIANT INSURANCE SERVICES, INC. is the broker of record on 1 of the 2 contracts; the rest name a different broker or none.
Two carriers split the book: PREMERA BLUE CROSS and DELTA DENTAL OF WASHINGTON.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| PREMERA BLUE CROSS | Health | 156 | Jul 1, 2025 | $1,114,096 | $38,993 |
| DELTA DENTAL OF WASHINGTON | Dental | 136 | Jul 1, 2025 | $93,418 | $2,787 |
Premium and claims on this contract
DELTA DENTAL OF WASHINGTON, contract 843. For the contract year on this filing, the carrier reported $93,418 in premium earned and $59,982 in claims incurred. Dividing one by the other gives 64%.
- DELTA DENTAL OF WASHINGTON, contract 843 reported $18,871 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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