| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GOVERNMENT EMPLOYEES' BENEFIT ASSOC3 | 1362 MELLON ROAD SUITE 100 HANOVER, MD 21076 | NEW YORK LIFE INSURANCE COMPANY | — | $945K | $945K | 20.00% |
| GOVERNMENT EMPLOYEES' BENEFIT ASSOC3 | 1362 MELLON ROAD SUITE 100 HANOVER, MD 21076 | NEW YORK LIFE INSURANCE COMPANY | — | $137K | $137K | 20.00% |
| GOVERNMENT EMPLOYEES' BENEFIT ASSOC3 | 1362 MELLON ROAD SUITE 100 HANOVER, MD 21076 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GEBA STAFF EMPLOYEES | Accounting (including auditing); Employee (plan); Direct payment from the plan Service code 10 | — | $984K |
| NEXUS DIRECT NONE | Direct payment from the plan; Other services Service code 49 | 780 LYNNHAVEN PARKWAY, SUITE 400 VIRGINIA BEACH, VA 23452 | $794K |
| B/NET SYSTEMS NONE | Direct payment from the plan; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 652 HOWARDS LOOP ANNAPOLIS, MD 21401 | $273K |
| VIRTUAL BENEFITS ADMINISTRATOR NONE | Consulting fees; Direct payment from the plan Service code 50 | 11711 RIVER LANE GERMANTOWN, WI 53022 | $166K |
| BORMEL, GRICE & HUYETT, P.A. EIN 52-1544136 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 14409 GREENVIEW DRIVE, SUITE 201 LAUREL, MD 20708 | $91K |
| POINT CLICK NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Direct payment from the plan Service code 15 | 4030 WAKE FOREST ROAD, SUITE 300 RALEIGH, NC 27609 | $69K |
| BALTIMORE ORIOLES NONE | Other services; Direct payment from the plan Service code 49 | 333 W. CAMDEN STREET BALTIMORE, MD 21201 | $49K |
| NSA/CIVILIAN WELFARE FUND (CWF) NONE | Other services; Direct payment from the plan Service code 49 | 9800 SAVAGE ROAD, SUITE 6105 FORT MEADE, MD 20755 | $40K |
| ADOPT A HIGHWAY NONE | Other services; Direct payment from the plan Service code 49 | 3158 RED HILL AVE, SUITE 200 COSTA MESA, CA 92626 | $37K |
| FEEA NONE | Other services; Direct payment from the plan Service code 49 | 1641 PRINCE STREET ALEXANDRIA, VA 22314 | $20K |
| KOHAN STRATEGIC MEDIA LLC NONE | Participant communication; Direct payment from the plan Service code 38 | 6522 ABBEY WAY BALTIMORE, MD 21212 | $19K |
| ATTAIN SPORTS & ENTERTAINMENT NONE | Other services; Direct payment from the plan Service code 49 | 4101 CRAIN HIGHWAY BOWIE, MD 20716 | $19K |
| PRINTING PRODUCTIONS NONE | Copying and duplicating; Direct payment from the plan Service code 36 | 1333-E SHEPARD DRIVE STERLING, VA 20164 | $18K |
| MOUNT ROYAL PRINTING NONE | Copying and duplicating; Direct payment from the plan Service code 36 | 6310 BLAIR HILL LANE BALTIMORE, MD 21209 | $15K |
| GOVERNMENT EXECUTIVE MEDIA NONE | Participant communication; Direct payment from the plan Service code 38 | P.O. BOX 69029 BALTIMORE, MD 21264 | $15K |
| THE CYPHERS AGENCY NONE | Direct payment from the plan; Participant communication Service code 38 | 1682 VILLAGE GREEN CROFTON, MD 21114 | $13K |
| ASTRIATA NONE | Direct payment from the plan; Other services Service code 49 | P.O. BOX 65271 BALTIMORE, MD 21209 | $8K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 15,618 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 15,618 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | NEW YORK LIFE INSURANCE COMPANY | 4,443 | $4.7M |
| Long-term disability | NEW YORK LIFE INSURANCE COMPANY | 1,001 | $687K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 66 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,443 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.