Form 5500 · Employee benefit plan · GOLDEN, CO
ALLIANCE FOR ENERGY INNOVATION
The filing calls this plan NLR HEALTH AND WELFARE WRAP PLAN.
ALLIANCE FOR ENERGY INNOVATION of GOLDEN, CO spreads its employee benefits across 12 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is MERCER HEALTH AND BENEFITS, LLC. Coverage is written through KAISER FOUNDATION HEALTH PLAN OF COLORADO and 11 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 26-1939342 · plan 501 · plan year 2025, filed Aug 26, 2026
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How this plan is funded
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
Benefits declared on this filing
Also declared: prepaid legal, death benefits, other welfare.
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 13 insured contracts covering health, dental, vision, life and disability; the largest, with KAISER FOUNDATION HEALTH PLAN OF COLORADO, covers 1,512 people.
Reported premium across the insured contracts is $15,953,859, with $114,739 in disclosed broker commissions — about 0.7% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in July. The plan is on a split renewal cycle.
MERCER HEALTH AND BENEFITS, LLC is the broker of record on 4 of the 13 contracts; the rest name a different broker or none.
12 carriers appear on the filing, including KAISER FOUNDATION HEALTH PLAN OF COLORADO, DELTA DENTAL OF COLORADO, STANDARD INSURANCE COMPANY and SPRING HEALTH. KAISER FOUNDATION HEALTH PLAN OF COLORADO writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| KAISER FOUNDATION HEALTH PLAN OF COLORADO | Health | 1,512 | Jan 1, 2026 | $9,477,450 | $62,567 |
| RELIASTAR LIFE INSURANCE COMPANY | — | 675 | Jan 1, 2026 | $124,982 | $21,518 |
| METLIFE LEGAL PLANS | — | 592 | Jan 1, 2026 | $171,329 | $15,747 |
| HARTFORD LIFE AND ACCIDENT | — | 896 | Jan 1, 2026 | $128,725 | $14,907 |
| DELTA DENTAL OF COLORADO | Health, Dental | 4,762 | Jan 1, 2026 | $2,195,539 | $0 |
| STANDARD INSURANCE COMPANY | Disability | 2,823 | Jan 1, 2026 | $1,319,195 | $0 |
| STANDARD INSURANCE COMPANY | Life | 3,081 | Jan 1, 2026 | $1,223,030 | $0 |
| SPRING HEALTH | — | 7,513 | Jan 1, 2026 | $507,052 | $0 |
| VISION SERVICE PLAN | Vision | 1,848 | Jan 1, 2026 | $476,388 | $0 |
| DENTEGRA INSURANCE COMPANY | Health, Dental | 972 | Jan 1, 2026 | $285,011 | $0 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | — | 15 | Jan 1, 2026 | $26,889 | $0 |
| FEDERAL INSURANCE COMPANY | — | 3,000 | Jul 19, 2025 | — | $0 |
| ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | Health | 4,277 | Jan 1, 2026 | $18,269 | — |
Premium and claims on these contracts
DELTA DENTAL OF COLORADO, contract DD000002198. For the contract year on this filing, the carrier reported $2,195,539 in premium earned and $1,906,705 in claims incurred. Dividing one by the other gives 87%.
STANDARD INSURANCE COMPANY, contract 642396. For the contract year on this filing, the carrier reported $1,319,195 in premium earned and $1,240,514 in claims incurred. Dividing one by the other gives 94%.
STANDARD INSURANCE COMPANY, contract 642396. For the contract year on this filing, the carrier reported $1,223,030 in premium earned and $440,073 in claims incurred. Dividing one by the other gives 36%.
- STANDARD INSURANCE COMPANY, contract 642396 reported $378,427 in retention.
- STANDARD INSURANCE COMPANY, contract 642396 reported $780,437 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.
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