Form 5500 · Employee benefit plan · SPOKANE, WA
WASHINGTON HEALTH INDUSTRY HEALTH TRUST
The filing calls this plan WASHINGTON HEALTH INDUSTRY HEALTH TRUST PLAN.
WASHINGTON HEALTH INDUSTRY HEALTH TRUST of SPOKANE, WA is a 185-participant finance and insurance employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is HUB INTERNATIONAL NORTHWEST LLC. Coverage is written through REGENCE BLUESHIELD and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 46-7040854 · plan 501 · plan year 2023, filed Oct 15, 2024
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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.
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 4 insured contracts covering health, dental, vision, life and disability; the largest, with REGENCE BLUESHIELD, covers 331 people.
Reported premium across the insured contracts is $1,501,738, with $480 in disclosed broker commissions — about 0% 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 NORTHWEST LLC is the broker of record on 1 of the 4 contracts; the rest name a different broker or none.
4 carriers appear on the filing, including REGENCE BLUESHIELD, DELTA DENTAL OF WASHINGTON, STANDARD INSURANCE COMPANY and VISION SERVICE PLAN. REGENCE BLUESHIELD writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| REGENCE BLUESHIELD | Health | 331 | Jan 1, 2024 | $1,430,164 | $480 |
| DELTA DENTAL OF WASHINGTON | Dental | 61 | Jan 1, 2024 | $59,727 | $0 |
| STANDARD INSURANCE COMPANY | Life, Disability | 161 | Jan 1, 2024 | $8,615 | $0 |
| VISION SERVICE PLAN | Vision | 23 | Jan 1, 2024 | $3,232 | $0 |
Premium and claims on these contracts
DELTA DENTAL OF WASHINGTON, contract 00154, 00156. For the contract year on this filing, the carrier reported $59,727 in premium earned and $53,486 in claims incurred. Dividing one by the other gives 90%.
STANDARD INSURANCE COMPANY, contract 649225. For the contract year on this filing, the carrier reported $8,482 in premium earned and $9,075 in claims incurred. Dividing one by the other gives 107%.
VISION SERVICE PLAN, contract 12319758. For the contract year on this filing, the carrier reported $3,232 in premium earned and $2,069 in claims incurred. Dividing one by the other gives 64%.
- DELTA DENTAL OF WASHINGTON, contract 00154, 00156 reported $8,780 in retention.
- STANDARD INSURANCE COMPANY, contract 649225 reported $1,992 in retention.
- VISION SERVICE PLAN, contract 12319758 reported $582 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.
How this plan compares
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