Form 5500 · Employee benefit plan · ARLINGTON, VA
COMMUNITIES IN SCHOOLS NATIONAL OFFICE
The filing calls this plan COMMUNITIES IN SCHOOLS NATIONAL OFFICE WRAP BENEFIT PLAN.
Public Form 5500 records show how COMMUNITIES IN SCHOOLS NATIONAL OFFICE of ARLINGTON, VA, a education employer, structures its employee benefits. Its broker of record is THE MELTZER GROUP, INC.. Coverage is written through CIGNA HEALTH AND LIFE INSURANCE COMPANY and 2 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 58-1289174 · plan 501 · plan year 2025, filed Jul 31, 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
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 3 insured contracts covering health, dental, vision, life and disability; the largest, with CIGNA HEALTH AND LIFE INSURANCE COMPANY, covers 109 people.
Reported premium across the insured contracts is $1,863,242, with $29,162 in disclosed broker commissions — about 1.6% 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.
THE MELTZER GROUP, INC. is the broker of record on 1 of the 3 contracts; the rest name a different broker or none.
3 carriers appear on the filing, including CIGNA HEALTH AND LIFE INSURANCE COMPANY, THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA and FIDELITY SECURITY LIFE INSURANCE COMPANY. CIGNA HEALTH AND LIFE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Dental, Life, Disability | 89 | Jan 1, 2026 | $196,678 | $28,140 |
| FIDELITY SECURITY LIFE INSURANCE COMPANY | Vision | 127 | Jan 1, 2026 | $10,535 | $1,022 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health | 109 | Jan 1, 2026 | $1,656,029 | $0 |
Premium and claims on this contract
FIDELITY SECURITY LIFE INSURANCE COMPANY, contract 12029-249. For the contract year on this filing, the carrier reported $10,535 in premium earned and $0 in claims incurred. Dividing one by the other gives 0%.
- FIDELITY SECURITY LIFE INSURANCE COMPANY, contract 12029-249 reported $2,500 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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