Form 5500 · Employee benefit plan · SPOKANE, WA
WASHINGTON TRUST BANK
The filing calls this plan WASHINGTON TRUST BANK LONG-TERM DISABILITY PLAN.
WASHINGTON TRUST BANK of SPOKANE, WA is a 1,171-participant finance and insurance employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is GALLAGHER BENEFIT SERVICES, INC.. Coverage is written through STANDARD INSURANCE COMPANY. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 91-0462347 · plan 504 · plan year 2025, filed Mar 18, 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
Funding not settled by the filing
The filing does not report enough to settle how this plan pays for benefits.
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
The filing discloses a single insured line, disability, through STANDARD INSURANCE COMPANY, covering 1,235 people.
Reported premium across the insured contracts is $316,132, with $12,672 in disclosed broker commissions — about 4% 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.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| STANDARD INSURANCE COMPANY | Disability | 1,235 | Jan 1, 2026 | $316,132 | $12,672 |
Premium and claims on this contract
STANDARD INSURANCE COMPANY, contract 600187. For the contract year on this filing, the carrier reported $316,132 in premium earned and $302,999 in claims incurred. Dividing one by the other gives 96%.
- STANDARD INSURANCE COMPANY, contract 600187 reported $106,662 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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Renewal calendar
1,162 other employer plans in Washington are January 1 renewals (policy year ends December).
Their policy years end in December, like this plan’s, so most renew January 1. The calendar lists every insured group by renewal date and state, with broker of record, carrier and disclosed commission. You can preview the five largest in each month for free.
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