Discover Why Government Employers & employees Trust CRA

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Prepare for the Retirement You Want

Whatever your dreams for the golden years, Colorado Retirement Association is passionately invested in helping you achieve your retirement goals.

Over the past 50-plus years, CRA has been a trustworthy local government retirement plan provider for Colorado, with more than 20,000 active employee participants representing Colorado counties, municipalities and special districts.


One-on-One, Individual Retirement Counseling

What are you saving for?
A second home?
Travel around the world?

Our certified retirement counselors are dedicated to helping you reach your retirement goals. We offer one-on-one counseling meetings to answer questions about your retirement accounts and provide resources for smart financial management.

We’re not just Colorado-based, we’re Colorado-only. We are committed to providing service and support that Colorado residents deserve and expect.


Auto-Piloting vs. Mastering Your Own

Finding the right balance between risk and investment return is key to a successful retirement savings strategy. With the help of Innovest Portfolio Solutions, a Denver-based registered investment advisor, CRA offers best-in-class investment options for your 401(a) and 457(b) retirement plans:

These are intelligent portfolios created by investment professionals, with oversight from CRA’s Board of Directors, to maximize savings whether an investor is early in their career, in the middle stages or approaching retirement.

Managed by Galliard, a subsidiary of Wells Fargo Bank, our stable value fund pays a specified rate of return over your entire retirement timeline. It helps you preserve your capital, as the level of risk is relatively small, while delivering stable rates of return that lead to a healthy retirement fund in the end.

CRA offers a wide variety of equity (stock) and fixed investments to choose from, all of which are available at institutional rates.

For access to funds beyond CRA’s comprehensive portfolio, employee participants can open a Schwab Personal Choice Retirement Account through Charles Schwab & Co., Inc.

Competitive Fees

No Surprises

As a not-for-profit organization, CRA’s focus is on helping our members save and invest for the future. This is reflected in low-cost fiduciary services. Plan participants enjoy minimal administration fees for comprehensive plan management services. And you don’t have to worry about hidden fees – we’re fully up-front and transparent about our costs.


For Both Employees and Employers

Even after employees move on or retire from CRA-participating employers, they can maintain their CRA (previously known as CCOERA) plans with us. This means you can enjoy our low administrative fees, personal touch and excellent services regardless where you are working and even through your retirement years.

Member employers love us because we manage all of the administrative, due diligence and financial responsibilities for them. As an end-to-end solution to employers, we help you reduce the risks, time and resources of fiduciary liability so you can drive your organization forward.


Our Board of Directors is elected by plan participants, county commissioners and municipal and political subdivision employers. They have a personal stake in the quality of our services and are inherently interested in ensuring the association delivers the best possible plans at the lowest possible cost.

Passionately Invested in YOU

Our legacy since 1968 has never wavered in helping plan participants build their own legacy. Reward yourself by becoming a CRA member and start making retirement dreams a reality.

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CRA Coronavirus Update

Following are updates on our operations for the foreseeable future until concerns about the spread of COVID-19 have subsided.

  • Calls/Emails – Our call center will follow standard business hours, and calls into CRA offices will continue to be answered.
  • In-person Meetings – To protect you and our staff, in-person meetings with our client services team will be suspended for the foreseeable future. This also includes in-person visits to our offices in Littleton. However, our staff is available to meet with you via web conference.
  • Group meetings – Our client services team has been contacting member employers to reschedule or postpone group meetings that were scheduled for the coming weeks.

Additionally, we wanted to assure you that CRA, along with our investment advisor and recordkeeper, remain steadfast in closely monitoring the markets and executing our fiduciary responsibilities for your retirement savings.

We recognize that recent market volatility may raise concerns. Drawdowns are part and parcel with financial markets, and the markets have weathered similar storms before. As always, it is important to take a long-term view of retirement savings and have diversified portfolios. CRA target date portfolios are designed to be appropriately diversified for a participant’s anticipated retirement year. Employee participants are always welcome to make changes to their investments by logging into their accounts via or by calling 800.352.0313.

*CRA is not an investment advisor and does not make any representations nor guarantees as to the future performance, risk or return of the funds. This plan and its self-direction provisions are intended to constitute a plan similar to that described in section 404(c) of the Employee Retirement Income Security Act and Title 29 of the Code of Federal Regulations Section 2550.404c-1. The fiduciaries of this plan may be relieved of liability for any losses which are the direct and necessary result of investment information given to the employee.

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