Form 5500 · Employee benefit plan · SPOKANE, WA
WASHINGTON COMMERCIAL CONSTRUCTION HEALTH TRUST
The filing calls this plan WASHINGTON COMMERCIAL CONSTRUCTION HEALTH TRUST PLAN.
WASHINGTON COMMERCIAL CONSTRUCTION HEALTH TRUST of SPOKANE, WA spreads its employee benefits across 5 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is BELL-ANDERSON AGENCY INC. Coverage is written through REGENCE BLUESHIELD and 4 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 46-7048407 · plan 501 · plan year 2024, filed Oct 15, 2025
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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 plan's own financial statement reports paying insurance carriers about what the insurance contracts report in premium.
The filing says this plan is subject to the Form M-1 requirement for multiple-employer welfare arrangements.
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.
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 5 insured contracts covering health, dental, vision, life and disability; the largest, with REGENCE BLUESHIELD, covers 4,003 people.
Reported premium across the insured contracts is $24,207,858, with $53,040 in disclosed broker commissions — about 0.2% 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.
BELL-ANDERSON AGENCY INC is the broker of record on 1 of the 5 contracts; the rest name a different broker or none.
5 carriers appear on the filing, including REGENCE BLUESHIELD, ASURIS NORTHWEST HEALTH, DELTA DENTAL OF WASHINGTON and STANDARD INSURANCE COMPANY. REGENCE BLUESHIELD writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| REGENCE BLUESHIELD | Health | 4,003 | Jan 1, 2025 | $20,791,282 | $45,120 |
| ASURIS NORTHWEST HEALTH | Health | 450 | Jan 1, 2025 | $2,081,559 | $7,920 |
| DELTA DENTAL OF WASHINGTON | Dental | 1,472 | Jan 1, 2025 | $1,040,656 | $0 |
| STANDARD INSURANCE COMPANY | Life, Disability | 3,104 | Jan 1, 2025 | $149,666 | $0 |
| VISION SERVICE PLAN | Vision | 1,822 | Jan 1, 2025 | $144,695 | $0 |
Premium and claims on these contracts
DELTA DENTAL OF WASHINGTON, contract 00154, 00156. For the contract year on this filing, the carrier reported $1,040,656 in premium earned and $918,814 in claims incurred. Dividing one by the other gives 88%.
VISION SERVICE PLAN, contract 12319758. For the contract year on this filing, the carrier reported $144,695 in premium earned and $105,676 in claims incurred. Dividing one by the other gives 73%.
- DELTA DENTAL OF WASHINGTON, contract 00154, 00156 reported $124,810 in retention.
- VISION SERVICE PLAN, contract 12319758 reported $23,151 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.
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