Form 5500 · Employee benefit plan · DENVER, CO
ASSOCIATION OF COLORADO INDEPENDENT SCHOOLS
The filing calls this plan ASSOCIATION OF COLORADO INDEPENDENT SCHOOLS EMPLOYEE BENEFITS PLAN.
ASSOCIATION OF COLORADO INDEPENDENT SCHOOLS of DENVER, CO spreads its employee benefits across 4 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is IMA, INC.. Coverage is written through CIGNA HEALTH AND LIFE INSURANCE COMPANY and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 84-1156240 · plan 507 · plan year 2025, filed Mar 16, 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
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.
The filing says this plan is subject to the Form M-1 requirement for multiple-employer welfare arrangements.
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.
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 7 insured contracts covering health, dental, vision, life and disability; the largest, with CIGNA HEALTH AND LIFE INSURANCE COMPANY, covers 702 people.
Reported premium across the insured contracts is $12,036,604, with $75,446 in disclosed broker commissions — about 0.6% of premium.
The most recent policy period ended in December, and the plan year ends June 30. Group contracts typically renew on that annual cycle.
IMA, INC. is the broker of record on all 7 contracts.
4 carriers appear on the filing, including CIGNA HEALTH AND LIFE INSURANCE COMPANY, DELTA DENTAL OF COLORADO, LIFE INSURANCE COMPANY OF NORTH AMERICA and VISION SERVICE PLAN. CIGNA HEALTH AND LIFE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| DELTA DENTAL OF COLORADO | Dental | 1,350 | Jan 1, 2025 | $591,096 | $26,556 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Life | 863 | Jan 1, 2025 | $183,820 | $21,359 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Disability | 779 | Jan 1, 2025 | $131,059 | $13,115 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | 0 | Jan 1, 2025 | $66,230 | $9,244 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | — | 782 | Jan 1, 2025 | $27,606 | $2,761 |
| VISION SERVICE PLAN | Vision | 598 | Jan 1, 2025 | $87,880 | $2,411 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health | 702 | Jan 1, 2025 | $10,948,913 | $0 |
Premium and claims on these contracts
DELTA DENTAL OF COLORADO, contract 00000000115. For the contract year on this filing, the carrier reported $591,096 in premium earned and $484,119 in claims incurred. Dividing one by the other gives 82%.
VISION SERVICE PLAN, contract 12064460. For the contract year on this filing, the carrier reported $87,880 in premium earned and $70,665 in claims incurred. Dividing one by the other gives 80%.
- DELTA DENTAL OF COLORADO, contract 00000000115 reported $85,193 in retention.
- VISION SERVICE PLAN, contract 12064460 reported $14,940 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.
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