| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GOVERNMENT EMPLOYEES' BENEFIT ASSOC3 | 9800 SAVAGE ROAD, OPS 2A VCC FORT MEADE, MD 20755 | NEW YORK LIFE INSURANCE COMPANY | — | $1.1M | $1.1M | 20.00% |
| GOVERNMENT EMPLOYEES' BENEFIT ASSOC3 | 9800 SAVAGE ROAD, OPS 2A VCC FORT MEADE, MD 20755 | NEW YORK LIFE INSURANCE COMPANY | — | $141K | $141K | 20.00% |
| GOVERNMENT EMPLOYEES' BENEFIT ASSOC3 | 9800 SAVAGE ROAD, OPS 2A VCC FORT MEADE, MD 20755 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $5K | $5K | 2.16% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GEBA STAFF EMPLOYEES | Accounting (including auditing); Employee (plan); Direct payment from the plan Service code 10 | — | $935K |
| THE CYPHERS AGENCY NONE | Participant communication; Direct payment from the plan Service code 38 | 1682 VILLAGE GREEN CROFTON, MD 21117 | $78K |
| BORMEL, GRICE & HUYETT, P.A. EIN 52-1544136 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 14409 GREENVIEW DRIVE, SUITE 201 LAUREL, MD 20708 | $65K |
| SPRINGFIELD PRINT & GRAPHICS NONE | Copying and duplicating; Direct payment from the plan Service code 36 | P.O. BOX 230339 CENTREVILLE, MD 20120 | $50K |
| FORCE COUNSEL NONE | Direct payment from the plan; Consulting fees; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 6338 VILLA LANE FALLS CHURCH, VA 22044 | $47K |
| HODGSON CONSULTING NONE | Participant communication; Consulting fees; Direct payment from the plan Service code 38 | 10401 CONNECTICUT AVENUE 103 KENSINGTON, MD 20895 | $43K |
| 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 | $38K |
| KOHAN STRATEGIC MEDIA LLC NONE | Direct payment from the plan; Participant communication Service code 38 | 6522 ABBEY WAY BALTIMORE, MD 21212 | $36K |
| VAN EPEREN NONE | Participant communication; Direct payment from the plan Service code 38 | 11333 WOODGLEN DRIVE, SUITE 103 N. BETHESDA, MD 20852 | $35K |
| SIGHTLINE MEDIA GROUP NONE | Direct payment from the plan; Participant communication Service code 38 | P.O. BOX 230339 CENTREVILLE, VA 20120 | $32K |
| 1631 DIGITAL MARKETING NONE | Direct payment from the plan; Participant communication Service code 38 | 106 MAINSAIL DRIVE STEVENSVILLE, MD 21666 | $29K |
| ENGINEERING SOLUTIONS NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 15 | 7030 DORSEY ROAD, SUITE 201 HANOVER, MD 21076 | $28K |
| GOVERNMENT EXECUTIVE MEDIA NONE | Direct payment from the plan; Participant communication Service code 38 | P.O. BOX 69029 BALTIMORE, MD 21264 | $26K |
| ENRADIUS NONE | Participant communication; Direct payment from the plan Service code 38 | 2920 ODONNELL STREET BALTIMORE, MD 21224 | $22K |
| MOUNT ROYAL PRINTING NONE | Direct payment from the plan; Copying and duplicating Service code 36 | 6310 BLAIR HILL LANE BALTIMORE, MD 21209 | $19K |
| TARGET MARKETING LLC NONE | Direct payment from the plan; Participant communication Service code 38 | 11404 CRONRIDGE DRIVE OWNINGS MILLS, MD 21117 | $16K |
| VECTOR MEDIA HOLDING GROUP NONE | Direct payment from the plan; Participant communication Service code 38 | 560 LEXINGTON AVENUE, 14TH FLLOR NEW YORK, NY 10022 | $15K |
| FRIENDSHIP CREATIVE PRINTERS NONE | Direct payment from the plan; Copying and duplicating; Participant communication Service code 36 | 1120 M BENFIELD BLVD MILLERSVILLE, MD 21108 | $11K |
| THE STANDARD GROUP NONE | Participant communication; Direct payment from the plan Service code 38 | P.O. BOX 4684 LANCASTER, PA 17604 | $10K |
| PANDORA MEDIA, INC. NONE | Direct payment from the plan; Participant communication Service code 38 | 25601 NETWORK PLACE CHICAGO, IL 60673 | $10K |
| INFORMATION SYSTEMS NETWORKS NONE | Consulting fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | 4157 MOUNTAIN ROAD, 207 PASADENA, MD 21122 | $8K |
| HEATHER KLAZAS NONE | Participant communication; Direct payment from the plan Service code 38 | 337 N. NEW STREET LITITZ, PA 17543 | $6K |
| SYSTEMS EXPERTS CORPORATION NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting fees Service code 15 | 11 SPILLER ROAD SUDBURY, MA 01776 | $5K |
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 | 16,919 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 16,919 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 4,603 | $314K |
| Life insurance | NEW YORK LIFE INSURANCE COMPANY | 6,612 | $5.7M |
| Long-term disability | NEW YORK LIFE INSURANCE COMPANY | 1,366 | $704K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 93 | $209K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,612 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.