Form 5500 · Employee benefit plan · SPOKANE, WA
WASHINGTON RETAIL HEALTH TRUST
The filing calls this plan WASHINGTON RETAIL HEALTH TRUST PLAN.
Public Form 5500 records show how WASHINGTON RETAIL HEALTH TRUST of SPOKANE, WA, a finance and insurance employer, structures its employee benefits. 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 June.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 46-7046583 · plan 501 · plan year 2024, filed Oct 15, 2025
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125 other employer plans in Washington have policy years ending in June. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Both, as reported
The filing reports both insurance premium and benefits paid from the plan's own money, and the two amounts do not line up.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
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 767 people.
Reported premium across the insured contracts is $4,307,834, with $12,580 in disclosed broker commissions — about 0.3% of premium.
The health contract's policy period ended in June, while at least one ancillary line's policy period ended in December. The plan is on a split renewal cycle.
BELL-ANDERSON AGENCY INC is the broker of record on 2 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 | 767 | Jul 1, 2024 | $3,757,115 | $11,800 |
| ASURIS NORTHWEST HEALTH | Health | 79 | Jul 1, 2024 | $288,242 | $780 |
| DELTA DENTAL OF WASHINGTON | Dental | 311 | Jan 1, 2025 | $187,564 | $0 |
| STANDARD INSURANCE COMPANY | Life, Disability | 798 | Jan 1, 2025 | $38,416 | $0 |
| VISION SERVICE PLAN | Vision | 525 | Jan 1, 2025 | $36,497 | $0 |
Premium and claims on these contracts
DELTA DENTAL OF WASHINGTON, contract 00154, 00156. For the contract year on this filing, the carrier reported $187,564 in premium earned and $165,603 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 $36,497 in premium earned and $26,655 in claims incurred. Dividing one by the other gives 73%.
- DELTA DENTAL OF WASHINGTON, contract 00154, 00156 reported $22,495 in retention.
- VISION SERVICE PLAN, contract 12319758 reported $5,840 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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Renewal calendar
125 other employer plans in Washington are July 1 renewals (policy year ends June).
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