# Business Health Trust Health & Welfare Plan
Source: https://planprovider.pro/companies/business-health-trust-367481494-501

> Business Health Trust's Health & Welfare plan: 16,967 participants, plan year 2024 financials, providers, and benchmarks from Form 5500.

Form 5500 filing data for plan year 2024.

## Plan Snapshot

- **Plan Sponsor:** Business Health Trust

- **Sponsor EIN:** 367481494

- **Sponsor Address:** P.O. BOX 6, MUKILTEO, WA, 98275

- **Plan Type:** Health & Welfare

- **Plan Number:** 501

- **Total Participants:** 16,967

- **Total Assets:** $18.9M

## Key Plan Design Features

- **Auto-Enrollment:** No

- **Auto-Escalation:** No

- **Allows Roth Contributions:** No

- **Participant Loans:** No

- **Participant-Directed Investments:** No

- **ERISA Section 404(c) Fiduciary Safe Harbor:** No

## Plan Financials by Year

| Year|Participants|Total Assets|Employer Contrib.|Employee Contrib.|

| 2024|16,967|$18.9M|$151.4M|$1.2M|

| 2023|16,388|$16.1M|$129.3M|$768,624|

| 2022|14,822|$13.1M|$113.3M|$826,184|

## Service Providers (Schedule C)

Vendors paid $5,000 or more for services to the plan, ranked by total compensation (direct + indirect fees).

| Provider Name|
Role|
Direct Compensation|
Indirect Compensation|
Total Fees|

| ABD INSURANCE & FINANCIAL SERVICES,|Other Service Provider|$3,952,433|—|$3,952,433|

| VIMLY BENEFIT SOLUTIONS, INC.|Other Service Provider|$2,662,554|—|$2,662,554|

| SEATTLE METROPOLITAN CHAMBER OF COM|Other Service Provider|$1,472,690|—|$1,472,690|

| IMPACT ACCOUNTING SERVICES, LLC|Other Service Provider|$1,459,413|—|$1,459,413|

| DIGITAL INSURANCE, INC.|Other Service Provider|$878,233|—|$878,233|

| HUB INTERNATIONAL NORTHWEST, LLC|Other Service Provider|$613,673|—|$613,673|

| PARKER, SMITH AND FEEK, INC.|Other Service Provider|$494,730|—|$494,730|

| ARMFIELD, HARRISON & THOMAS TECH|Other Service Provider|$476,240|—|$476,240|

| PCF INSURANCE SERVICES OF THE WEST|Other Service Provider|$261,197|—|$261,197|

| JS EVENSON, LLC|Other Service Provider|$256,000|—|$256,000|

| BTG AND ASSOCIATES DBA BTG BENEFITS|Other Service Provider|$246,692|—|$246,692|

| ACRISURE NW PARTNERS INSURANCE SERV|Other Service Provider|$242,258|—|$242,258|

| SAPPER INSURANCE, LLC|Other Service Provider|$231,680|—|$231,680|

| BELL-ANDERSON AGENCY, INC.|Other Service Provider|$201,570|—|$201,570|

| MADDOCK & ASSOCIATES, LLC|Other Service Provider|$196,217|—|$196,217|

| ASSUREDPARTNERS OF WA LLC|Other Service Provider|$194,018|—|$194,018|

| SPRAGUE ISRAEL GILES INSURANCE, INC|Other Service Provider|$139,608|—|$139,608|

| WHITFIELDS UNITED INSURANCE AGENCIE|Other Service Provider|$128,795|—|$128,795|

| MARSH USA, INC.|Investment Advisor|$120,837|—|$120,837|

| CUMMINGS, FRASER & ASSOCIATES, LLC|Other Service Provider|$111,080|—|$111,080|

| MANNA INSURANCE GROUP, LLC|Other Service Provider|$86,187|—|$86,187|

| BROWN & BROWN INSURANCE SERVICES, I|Other Service Provider|$84,940|—|$84,940|

| DAVIS WRIGHT TREMAINE, LLP|ERISA Attorney|$83,696|—|$83,696|

| MIKE JAPHET|Other Service Provider|$83,335|—|$83,335|

| USI NORTHWEST|Other Service Provider|$80,832|—|$80,832|

| TACOMA-PIERCE COUNTY CHAMBER|Other Service Provider|$78,976|—|$78,976|

| WALLINGFORD FINANCIAL AND COLLEGE P|Other Service Provider|$78,903|—|$78,903|

| OLYMPIC CREST INSURANCE, INC.|Other Service Provider|$77,370|—|$77,370|

| AFFILIATED SERVICES, LLC|Other Service Provider|$77,086|—|$77,086|

| TERRILL LEWIS AND WILKE INSURANCE|Other Service Provider|$76,833|—|$76,833|

| ALLIANT INSURANCE SERVICES, INC.|Other Service Provider|$74,175|—|$74,175|

| GROUP SOLUTIONS NORTHWEST, LLC|Other Service Provider|$70,521|—|$70,521|

| PRO BENEFITS OF WASHINGTON, LLC|Other Service Provider|$70,305|—|$70,305|

| PAYCHEX INSURANCE AGENCY, INC.|Other Service Provider|$70,188|—|$70,188|

| AUKEMA & ASSOCIATES, INC. (RAEL & L|Other Service Provider|$64,329|—|$64,329|

| OAK INSURANCE SERVICES, LLC|Other Service Provider|$58,989|—|$58,989|

| TRUEBENEFITS LLC|Other Service Provider|$58,002|—|$58,002|

| PILKEY HOPPING & EKBERG, INC.|Other Service Provider|$57,834|—|$57,834|

| ESSENTIAL BENEFITS, LLC|Other Service Provider|$57,557|—|$57,557|

| GALLAGHER BENEFITS SERVICES, INC.|Investment Advisor|$56,536|—|$56,536|

| VAULT INSURANCE & INVESTMENTS, LLC|Other Service Provider|$52,481|—|$52,481|

| ADVISOR SERVICES, LLC|Other Service Provider|$49,441|—|$49,441|

| BEHAVORIAL HEALTH SYSTEMS, INC.|Other Service Provider|$48,849|—|$48,849|

| B&F INSURANCE, LLC|Other Service Provider|$45,785|—|$45,785|

| RIVERSIDE EMPLOYEE BENEFITS, LLC|Other Service Provider|$45,119|—|$45,119|

| PROPEL INSURANCE AGENCY, LLC|Other Service Provider|$44,842|—|$44,842|

| M&O AGENCIES DBA THE MAHONEY GRP|Other Service Provider|$43,400|—|$43,400|

| HR RESOURCE, INC.|Other Service Provider|$41,314|—|$41,314|

| NORTHWEST BENEFIT SOLUTIONS|Other Service Provider|$41,108|—|$41,108|

| FINANCIAL PLANNING CONCEPTS, INC.|Other Service Provider|$41,087|—|$41,087|

| WOODRUFF SAWYER & COMPANY|Other Service Provider|$40,655|—|$40,655|

| BENEFIT DESIGN SERVICES, LLC|Other Service Provider|$39,912|—|$39,912|

| JW BYRNES INSURANCE, LLC|Other Service Provider|$39,791|—|$39,791|

| WILSON ALBERS AN ALERA GROUP AGENCY|Other Service Provider|$39,218|—|$39,218|

| SCHOEDEL & SCHOEDEL, CPAS, PLLC|Other Service Provider|$38,400|—|$38,400|

| BELLINGHAM WHATCOM CHAMBER|Other Service Provider|$36,906|—|$36,906|

| MITCHELL, REED & SCHMITTEN INSURANC|Other Service Provider|$34,046|—|$34,046|

| R.L. EVANS COMPANY, INC.|Other Service Provider|$33,960|—|$33,960|

| MICHAEL BENZIKRY & INSURANCE, PLLC|Other Service Provider|$33,251|—|$33,251|

| IDEAL BENEFIT SOLUTIONS, LLC|Other Service Provider|$32,503|—|$32,503|

| THE PARTNERS GROUP, LTD.|Other Service Provider|$32,388|—|$32,388|

| AIREY BENEFITS COMPANY|Other Service Provider|$30,172|—|$30,172|

| SEA-MOUNTAIN INSURANCE BROKER, INC.|Other Service Provider|$29,952|—|$29,952|

| OSWALD COMPANIES|Other Service Provider|$29,009|—|$29,009|

| BROWN & BROWN OF WASHINGTON, INC.|Other Service Provider|$28,380|—|$28,380|

| J. FRANKLAND EMPLOYEE BENEFIT SERVI|Other Service Provider|$27,185|—|$27,185|

| GREATER YAKIMA CHAMBER OF COMMERCE|Other Service Provider|$27,146|—|$27,146|

| GROUP BENEFITS, LLC|Other Service Provider|$24,753|—|$24,753|

| NORMAN STRUNK DBA STRUNK FINANCIAL|Other Service Provider|$24,314|—|$24,314|

| PAUL RICHARDSON AGENCY|Other Service Provider|$23,795|—|$23,795|

| CALLIS & ASSOCIATES, INC.|Other Service Provider|$23,106|—|$23,106|

| WESTLEY PRICE INSURANCE, LLC|Other Service Provider|$22,936|—|$22,936|

| LIBKE INSURANCE ASSOCIATES|Other Service Provider|$22,852|—|$22,852|

| THE STUPEY AGENCY|Other Service Provider|$22,753|—|$22,753|

| ALLIANT INSURANCE SERVICES, INC.|Other Service Provider|$22,750|—|$22,750|

| MCGREGOR INSURANCE AGENCY, INC.|Other Service Provider|$20,611|—|$20,611|

| IMPACT CG, LLC|Other Service Provider|$20,524|—|$20,524|

| PASSPORT UNLIMITED, INC.|Other Service Provider|$20,000|—|$20,000|

| CASCADE VALLEY INSURANCE, INC.|Other Service Provider|$19,673|—|$19,673|

| COORDINATED BENEFITS DBA BASON PACI|Other Service Provider|$19,337|—|$19,337|

| CLG EMPLOYER RESOURCES|Other Service Provider|$18,253|—|$18,253|

| ECONOMIC ALLIANCE SNOHOMISH COUNTY|Other Service Provider|$17,864|—|$17,864|

| DENALI BENEFITS, INC.|Other Service Provider|$17,844|—|$17,844|

| BALDERSON & HEBERT, LLC|Other Service Provider|$17,727|—|$17,727|

| BAKER INSURANCE GROUP, LLC|Other Service Provider|$17,495|—|$17,495|

| THE LIGHTLE GROUP, LLC DBA RADWICK|Other Service Provider|$17,060|—|$17,060|

| ASSUREDPARTNERS OF WA DBA FORTUNE M|Other Service Provider|$16,412|—|$16,412|

| RONALD PETERSON|Other Service Provider|$15,835|—|$15,835|

| MATTHEW D. WYATT INSURANCE AGENCY|Other Service Provider|$15,413|—|$15,413|

| ARDENT BENEFITS|Other Service Provider|$14,598|—|$14,598|

| EPIC INSURANCE SOLUTIONS, LLC|Other Service Provider|$14,501|—|$14,501|

| BENEFITS CONSULTING SERVICES, LLC|Other Service Provider|$14,415|—|$14,415|

| BENEFITS RESOURCE GROUP, INC.|Other Service Provider|$13,770|—|$13,770|

| INSURANCE CONSULTING NW, INC.|Other Service Provider|$12,445|—|$12,445|

| MUTUAL BENEFITS, INC.|Other Service Provider|$11,418|—|$11,418|

| D&D FINANCIAL SERVICES|Recordkeeper|$11,235|—|$11,235|

| ARCHBRIGHT|Other Service Provider|$11,112|—|$11,112|

| JOSEPH PAINE INC. DBA GUS PAINE INS|Other Service Provider|$10,610|—|$10,610|

| BERG BENEFITS, INC.|Other Service Provider|$10,431|—|$10,431|

| SPRINGER BENEFITS, LLC|Other Service Provider|$10,056|—|$10,056|

| VAN RAY FINANCIAL DBA VAN WINKLE IN|Other Service Provider|$10,050|—|$10,050|

| PSG WASHINGTON, INC.|Other Service Provider|$9,168|—|$9,168|

| CHAD J. PHILIP|Other Service Provider|$9,144|—|$9,144|

| MORAN BENEFIT ADVISORS, INC - INOVA|Other Service Provider|$8,660|—|$8,660|

| LAURA LAMBORN DBA LL DESIGN & PRODU|Other Service Provider|$8,300|—|$8,300|

| LLOYD K. LYSNE II|Other Service Provider|$7,960|—|$7,960|

| TRI CITIES INSURANCE PROFESSIONALS|Other Service Provider|$7,787|—|$7,787|

| CLEARBENEFITS, LLC|Other Service Provider|$7,564|—|$7,564|

| PIVAR FINANCIAL GROUP, LLC|Other Service Provider|$7,418|—|$7,418|

| BENEFITS DIVISION, LLC|Other Service Provider|$7,383|—|$7,383|

| PH INSURANCE SERVICES, INC.|Other Service Provider|$7,063|—|$7,063|

| PATRICK J. CONROY INSURANCE|Other Service Provider|$6,870|—|$6,870|

| NPB ADVISORS|Other Service Provider|$6,793|—|$6,793|

| NORTHWEST INTERPRETERS DBA NWI GLOB|Other Service Provider|$6,732|—|$6,732|

| VENTURE LIFE & HEALTH, INC.|Other Service Provider|$6,464|—|$6,464|

| WMC BUSINESS SERVICES, LLC|Other Service Provider|$6,205|—|$6,205|

| KRISTIN MANWARING INSURANCE ASSOCIA|Other Service Provider|$6,174|—|$6,174|

| HYLANT GROUP, INC.|Other Service Provider|$6,169|—|$6,169|

| ACRISURE ADVANTAGE SERVICES, LLC|Other Service Provider|$5,839|—|$5,839|

| PACIFIC NW INSURANCE BROKERAGE, INC|Other Service Provider|$5,839|—|$5,839|

| LARSEN BENEFIT PROFESSIONALS, INC.|Other Service Provider|$5,750|—|$5,750|

| FRIEDA P. CHIANG|Other Service Provider|$5,716|—|$5,716|

| GEN DIGITAL, INC.|Other Service Provider|$5,599|—|$5,599|

| HEALTH BENEFITS WASHINGTON CORP.|Other Service Provider|$5,277|—|$5,277|

| VERUS INSURANCE SERVICES LLC DBA|Other Service Provider|$5,165|—|$5,165|

| J&M BENEFITS INC. DBA FRP FINANCIAL|Other Service Provider|$5,045|—|$5,045|

### Verified Provider Profiles

Direct links to verified profiles of matched retirement plan providers on PlanProvider.Pro:

- [MARSH USA, INC.](https://planprovider.pro/provider/marsh-mclennan-agency) — Investment Advisor

- [DAVIS WRIGHT TREMAINE, LLP](https://planprovider.pro/provider/davis-wright-tremaine-llp) — ERISA Attorney

- [GALLAGHER BENEFITS SERVICES, INC.](https://planprovider.pro/provider/arthur-j-gallagher-and-co) — Investment Advisor

- [D&D FINANCIAL SERVICES](https://planprovider.pro/provider/aspire-financial-services) — Recordkeeper

## Plan Fees & Expenses

Annual service provider fees and administrative expenses sourced from DOL Form 5500 filings.

- **Total Service Provider Fees:** $17,568,844

- **Estimated Expense Ratio:** 92.866% of plan assets

### Historical Administrative Expenses

Breakdown of administrative expense categories reported on Form 5500 filings.

| Year|
Total Admin Expenses|
Investment Mgmt Fees|
Contract Admin Fees|
IQPA Audit Fees|
Professional Fees|

| 2024|$17,979,318|—|$4,301,124|$38,400|—|

| 2023|$15,197,824|—|$3,598,350|$36,600|—|

| 2022|$12,960,906|—|$3,132,013|—|$9,348,395|

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