Form 5500 · Employee benefit plan · CAPE CORAL, FL
NHP INNOVATIONS, LLC
The filing calls this plan MERCOLA HEALTH AND WELFARE PLAN.
Public Form 5500 records show how NHP INNOVATIONS, LLC of CAPE CORAL, FL, a health care and social assistance employer, structures its employee benefits. Its broker of record is MARSH & MCLENNAN AGENCY LLC. Coverage is written through BLUE CROSS BLUE SHIELD OF FLORIDA and 4 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 83-3096874 · plan 501 · plan year 2025, filed Apr 15, 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: 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 6 insured contracts covering health, dental, vision, life and disability; the largest, with BLUE CROSS BLUE SHIELD OF FLORIDA, covers 76 people.
Reported premium across the insured contracts is $2,412,297, with $154,425 in disclosed broker commissions — about 6.4% 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.
MARSH & MCLENNAN AGENCY LLC is the broker of record on all 6 contracts.
5 carriers appear on the filing, including BLUE CROSS BLUE SHIELD OF FLORIDA, HEALTH OPTIONS, FLORIDA COMBINED LIFE and USABLE LIFE. BLUE CROSS BLUE SHIELD OF FLORIDA writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA | Health | 76 | Jan 1, 2026 | $1,427,048 | $85,623 |
| HEALTH OPTIONS | Health | 44 | Jan 1, 2026 | $774,329 | $46,460 |
| USABLE LIFE | Life, Disability | 143 | Jan 1, 2026 | $85,901 | $13,614 |
| FLORIDA COMBINED LIFE | Health, Dental | 127 | Jan 1, 2026 | $96,766 | $4,634 |
| SUN LIFE ASSURANCE COMPANY OF CANADA | — | 2 | Jan 1, 2026 | $12,570 | $2,281 |
| BLUE CROSS BLUE SHIELD OF FLORIDA | Vision | 120 | Jan 1, 2026 | $15,683 | $1,813 |
Premium and claims on these contracts
BLUE CROSS BLUE SHIELD OF FLORIDA, contract S9401. For the contract year on this filing, the carrier reported $1,427,048 in premium earned and $0 in claims incurred. Dividing one by the other gives 0%.
HEALTH OPTIONS, contract S9401. For the contract year on this filing, the carrier reported $774,329 in premium earned and $0 in claims incurred. Dividing one by the other gives 0%.
- BLUE CROSS BLUE SHIELD OF FLORIDA, contract S9401 reported $296,826 in retention.
- HEALTH OPTIONS, contract S9401 reported $153,395 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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