Form 5500 · Employee benefit plan · DENVER, CO
MERCY HOUSING, INC.
The filing calls this plan MERCY HOUSING, INC. HEALTH AND WELFARE BENEFIT PLAN.
MERCY HOUSING, INC. of DENVER, CO files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is CUSTOM BENEFIT PROGRAMS INC. Coverage is written through KAISER FOUNDATION HEALTH PLAN, INC. and 5 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 47-0646706 · plan 510 · plan year 2025, filed Aug 11, 2026
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1,094 other employer plans in Colorado 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
Both, as reported
The medical insurance contracts on the filing cover fewer than half the people in the plan, so the rest is paid another way.
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.
Benefits declared on this filing
5 contracts on this filing do not say which benefits they cover, so a line above may be insured by one of them.
Also declared: 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, vision, life and disability; the largest, with KAISER FOUNDATION HEALTH PLAN, INC., covers 616 people.
The filing declares health, vision, life, disability and dental. Dental appears with no insured contract on Schedule A. That coverage may be self-funded, placed with a carrier that is not on this filing, or written on one of the 5 contracts here that do not say what they cover.
Reported premium across the insured contracts is $8,867,486, with $135,339 in disclosed broker commissions — about 1.5% 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.
CUSTOM BENEFIT PROGRAMS INC is the broker of record on 2 of the 13 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | 439 | Jan 1, 2026 | $148,436 | $39,874 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | 404 | Jan 1, 2026 | $129,539 | $36,460 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Life | 890 | Jan 1, 2026 | $322,714 | $29,662 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | 647 | Jan 1, 2026 | $101,431 | $26,855 |
| COMBINED INSURANCE COMPANY | Life | 66 | Jan 1, 2026 | $64,512 | $2,488 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 616 | Jan 1, 2026 | $6,289,789 | $0 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 90 | Jan 1, 2026 | $875,567 | $0 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Disability | 1,788 | Jan 1, 2026 | $397,695 | $0 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Life | 1,788 | Jan 1, 2026 | $210,605 | $0 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Disability | 1,788 | Jan 1, 2026 | $156,323 | $0 |
| VISION SERVICE PLAN | Vision | 1,242 | Jan 1, 2026 | $124,887 | $0 |
| CURALINC LLC | — | 1,802 | Jan 1, 2026 | $28,819 | $0 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | — | 1,788 | Jan 1, 2026 | $17,169 | $0 |
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
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Renewal calendar
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