Form 5500 · Employee benefit plan · LAS VEGAS, NV
MGM RESORTS INTERNATIONAL
The filing calls this plan MGM RESORTS INTERNATIONAL HEALTH AND WELFARE PLAN.
MGM RESORTS INTERNATIONAL of LAS VEGAS, NV insures health, dental, vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is MERCER HEALTH & BENEFITS LLC. Coverage is written through SUN LIFE ASSURANCE COMPANY OF CANADA and 12 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 88-0215232 · plan 501 · plan year 2025, filed Jul 29, 2026
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278 other employer plans in Nevada 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
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
Health: the largest of the 7 insured health contracts, with KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC, covers 1,322 of 27,573 participants (4.8%) on Schedule A.
Dental: the largest of the 2 insured dental contracts, with HEALTH PLAN OF NEVADA, covers 961 of 27,573 participants (3.5%) on Schedule A.
Vision: the largest of the 3 insured vision contracts, with HEALTH PLAN OF NEVADA, covers 961 of 27,573 participants (3.5%) on Schedule A.
Also declared: supplemental unemployment, prepaid legal.
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 19 insured contracts covering health, dental, vision, life and disability; the largest, with SUN LIFE ASSURANCE COMPANY OF CANADA, covers 21,803 people.
Reported premium across the insured contracts is $64,848,822, with $2,951,235 in disclosed broker commissions — about 4.6% 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.
MERCER HEALTH & BENEFITS LLC is the broker of record on 13 of the 19 contracts; the rest name a different broker or none.
13 carriers appear on the filing, including SUN LIFE ASSURANCE COMPANY OF CANADA, KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC, KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. and HEALTH PLAN OF NEVADA. SUN LIFE ASSURANCE COMPANY OF CANADA writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| SUN LIFE ASSURANCE COMPANY OF CANADA | Life, Disability | 21,803 | Jan 1, 2026 | $14,688,123 | $908,752 |
| SUN LIFE ASSURANCE COMPANY OF CANADA | — | 3,857 | Jan 1, 2026 | $2,351,239 | $716,262 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Dental | 8,778 | Jan 1, 2026 | $2,140,713 | $239,745 |
| KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | Health | 1,655 | Jan 1, 2026 | $8,068,994 | $203,064 |
| ANTHEM BLUE CROSS | Health | 345 | Jan 1, 2026 | $5,144,628 | $177,711 |
| HEALTH PLAN OF NEVADA | Health, Dental, Vision | 961 | Jan 1, 2026 | $6,894,975 | $131,556 |
| MEDICAL MUTUAL | Health | 338 | Jan 1, 2026 | $4,120,592 | $123,564 |
| VISION SERVICE PLAN | Vision | 18,737 | Jan 1, 2026 | $1,874,792 | $93,737 |
| SUN LIFE ASSURANCE COMPANY OF CANADA | Life, Disability | 1,886 | Jan 1, 2026 | $1,593,424 | $85,478 |
| HEALTH NEW ENGLAND, INC. | Health | 474 | Jan 1, 2026 | $5,612,937 | $81,234 |
| METROPOLITAN GENERAL INSURANCE COMPANY | — | 2,695 | Jan 1, 2026 | $510,277 | $51,659 |
| SUN LIFE ASSURANCE COMPANY OF CANADA | Life, Disability | 786 | Jan 1, 2026 | $741,756 | $41,632 |
| SUN LIFE ASSURANCE COMPANY OF CANADA | Life, Disability | 1,797 | Jan 1, 2026 | $512,009 | $29,281 |
| SUN LIFE ASSURANCE COMPANY OF CANADA | Life, Disability | 596 | Jan 1, 2026 | $772,586 | $29,096 |
| SUN LIFE AND HEALTH INSURANCE COMPANY | Life, Disability | 591 | Jan 1, 2026 | $440,432 | $24,734 |
| SUN LIFE ASSURANCE COMPANY OF CANADA | Life, Disability | 565 | Jan 1, 2026 | $154,312 | $8,699 |
| HERITAGE VISION PLANS INC | Vision | 2,730 | Jan 1, 2026 | $109,846 | $5,031 |
| KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | Health | 1,322 | Nov 1, 2025 | $8,601,555 | $0 |
| CURALINC LLC | — | 27,369 | Jan 1, 2026 | $515,632 | $0 |
Premium and claims on this contract
MEDICAL MUTUAL, contract 137427. For the contract year on this filing, the carrier reported $4,120,592 in premium earned and $3,044,486 in claims incurred. Dividing one by the other gives 74%.
- MEDICAL MUTUAL, contract 137427 reported $476,375 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.
Reported to OSHA
Reported to OSHA for 2025: 6,786 employees, 323 recordable cases, 2,087 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
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