Form 990 for tax year 2025

Revenue

Part VIII, the statement of revenue.

• 2a · Program service revenue: SELF FUNDED PLAN PREMIUMS

  total $443,768,552 · related or exempt $443,768,552

• 2b · Program service revenue: RISK PLAN PREMIUMS

  total $240,202,198 · related or exempt $240,202,198

• 2c · Program service revenue: ADMIN - SELF FUND PLAN

  total $25,756,330 · related or exempt $25,756,330

• 2f · All other program service revenue

  total $0 · related or exempt $0 · unrelated business $0 · excluded $0

• 3 · Investment income

  total $2,985,976 · excluded $2,985,976

• 6c · Rental income or loss

  real property $0 · personal property $0

• 7a · Gross sales of assets other than inventory

  securities $54,763,744

• 7b · Less cost or other basis and sales expenses

  securities $54,240,932

• 7c · Gain or loss

  securities $522,812 · other assets $0

• 7d · Net gain or loss

  total $522,812 · excluded $522,812

• 8c · Net income from fundraising events

  total $0

• 11a · Other revenue: DENTAL SAVINGS/DISCOUNT PLAN

  total $486,732 · related or exempt $486,732

• 11d · All other revenue

  total $0 · related or exempt $0 · unrelated business $0 · excluded $0

• 11e · Other revenue, total

  $486,732

Functional expenses

Part IX, the statement of functional expenses.

• 1 · Grants to domestic organizations and governments

  total $1,699,787 · program services $1,699,787

• 4 · Benefits paid to or for members

  total $623,316,743 · program services $623,316,743

• 5 · Compensation of officers, directors and key employees

  total $5,836,126 · program services $5,719,403 · management and general $116,723

• 7 · Other salaries and wages

  total $16,963,486 · program services $16,624,216 · management and general $339,270

• 8 · Pension plan contributions

  total $688,837 · program services $675,060 · management and general $13,777

• 9 · Other employee benefits

  total $4,729,982 · program services $4,635,382 · management and general $94,600

• 10 · Payroll taxes

  total $1,587,439 · program services $1,555,690 · management and general $31,749

• 11a · Fees: management

  total $1,520,656 · program services $1,216,525 · management and general $304,131

• 11b · Fees: legal

  total $861,730 · program services $689,384 · management and general $172,346

• 11c · Fees: accounting

  total $166,677 · program services $133,342 · management and general $33,335

• 11f · Fees: investment management

  total $154,966 · management and general $154,966

• 11g · Fees: other

  total $40,395 · program services $28,276 · management and general $12,119 · fundraising $0

• 12 · Advertising and promotion

  total $2,198,446 · program services $2,198,446

• 13 · Office expenses

  total $216,654 · program services $151,658 · management and general $64,996

• 14 · Information technology

  total $697,783 · program services $558,226 · management and general $139,557

• 16 · Occupancy

  total $1,813,643 · program services $1,450,914 · management and general $362,729

• 17 · Travel

  total $298,108 · program services $59,622 · management and general $238,486

• 22 · Depreciation, depletion and amortization

  total $2,071,049 · program services $1,139,077 · management and general $931,972

• 23 · Insurance

  total $376,287 · program services $301,030 · management and general $75,257

• 24a · Other expenses: DATA PROCESSING

  total $12,567,451 · program services $12,567,451

• 24b · Other expenses: COMMISSIONS

  total $10,631,204 · program services $10,631,204

• 24c · Other expenses: OUTSOURCING

  total $5,648,718 · program services $4,518,974 · management and general $1,129,744

• 24d · Other expenses: INCOME TAX EXPENSE

  total $77,925 · program services $77,925

• 24e · All other expenses

  total $7,140,569 · program services $5,712,456 · management and general $1,428,113 · fundraising $0

Balance sheet

Part X, book values.

• 1 · Cash, non-interest-bearing

  beginning of year $21,618 · end of year $26,187,107

• 2 · Savings and temporary cash investments

  beginning of year $668,552 · end of year $748,035

• 4 · Accounts receivable

  beginning of year $27,202,003 · end of year $16,335,761

• 5 · Loans and receivables from officers and key people

  beginning of year $0 · end of year $0

• 6 · Loans and receivables from disqualified persons

  beginning of year $0 · end of year $0

• 9 · Prepaid expenses and deferred charges

  beginning of year $1,812,577 · end of year $1,655,642

• 10a · Land, buildings and equipment: cost or other basis

  $18,500,259

• 10b · Land, buildings and equipment: accumulated depreciation

  $11,745,506

• 10c · Land, buildings and equipment, net

  beginning of year $8,678,102 · end of year $6,754,753

• 11 · Investments: publicly traded securities

  beginning of year $12,158,002 · end of year $12,319,152

• 12 · Investments: other securities

  beginning of year $44,662,752 · end of year $47,124,649

• 13 · Investments: program-related

  beginning of year $0

• 15 · Other assets

  beginning of year $11,428,974 · end of year $10,117,730

• 17 · Accounts payable and accrued expenses

  beginning of year $3,491,309 · end of year $6,012,999

• 19 · Deferred revenue

  beginning of year $3,345,841 · end of year $2,131,066

• 22 · Loans and payables to officers and key people

  end of year $0

• 25 · Other liabilities

  beginning of year $36,009,660 · end of year $34,947,950

• 27 · Net assets without donor restrictions

  beginning of year $63,785,770 · end of year $78,150,814

The filer's explanations (Part III)

SCHEDULE J, PART I, LINE 1A HOUSING ALLOWANCE OR RESIDENCE FOR PERSONAL USE

WE PROVIDED OUR CHIEF FINANCIAL OFFICER WITH MOVING AND RELOCATION ASSISTANCE THAT INCLUDED A TEMPORARY EXECUTIVE HOUSING ALLOWANCE. THIS BENEFIT WAS TREATED AS TAXABLE COMPENSATION.

SCHEDULE J, PART I, LINE 1B WRITTEN POLICY REGARDING PAYMENT OR REIMBURSEMENT OF EXPENSES

DDCO DOES NOT HAVE A FORMAL WRITTEN HOUSING ALLOWANCE POLICY AS THE HOUSING ALLOWANCE PROVIDED WAS A ONE-TIME EXCEPTION IN CONJUNCTION WITH THE EMPLOYMENT AGREEMENT.

SCHEDULE J, PART I, LINE 5A COMPENSATION CONTINGENT ON REVENUES OF THE ORGANIZATION

THE COMPANY HAS AN INCENTIVE COMPENSATION PLAN AND A SALES INCENTIVE PLAN WHICH PROVIDES AN ANNUAL BONUS FOR ELIGIBLE EMPLOYEES IF THE COMPANY REACHES CERTAIN GOALS, INCLUDING A MINIMUM NET GAIN GOAL. CERTAIN ACTIVE FULL-TIME EMPLOYEES ARE ELIGIBLE FOR ONE OF THE INCENTIVE PLANS. THE COMPANY ALSO HAS A LONG-TERM INCENTIVE PROGRAM FOR EXECUTIVES, WHICH IS BASED ON MEMBERSHIP GROWTH, RETURN ON REVENUE, STAKEHOLDER EXPERIENCE, GROUP RETENTION, AND OTHER FACTORS. THE LONG-TERM INCENTIVE PROGRAM HAS THREE-YEAR TARGETS AND PAYOUTS, AND IN MARCH OF 2025 THE PLAN YEAR ENDING DECEMBER 31, 2024 WAS PAID.

SCHEDULE J, PART I, LINE 6A COMPENSATION CONTINGENT ON NET EARNINGS OF THE ORGANIZATION

SEE NARRATIVE FOR LINE 5A ABOVE.

Related corporations and trusts

Part IV: related organizations taxable as a corporation or trust.

• BETA HEALTH ASSOCIATION

  C CORPORATION · PROVIDES NON-INSURED DENTAL BENEFITS TO SUPPORT DENTAL INSURANCE CARRIERS · CO

  Directly controlled by ENSEMBLE INNOVATION VENTURES

• EMBER ASSURANCE

  C CORPORATION · MARKET AND ADMINISTER VISION INSURANCE PRODUCTS · CO

  Directly controlled by ENSEMBLE INNOVATION VENTURES