| 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 | — | $136K | $136K | 20.00% |
| GOVERNMENT EMPLOYEES' BENEFIT ASSOC3 | 9800 SAVAGE ROAD, OPS 2A VCC FORT MEADE, MD 20755 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 1.43% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GEBA STAFF EMPLOYEES | Accounting (including auditing); Employee (plan); Direct payment from the plan Service code 10 | — | $926K |
| B/NET SYSTEMS NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 15 | 652 HOWARDS LOOP ANNAPOLIS, MD 21401 | $101K |
| 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 | $67K |
| THE CYPHERS AGENCY NONE | Direct payment from the plan; Participant communication Service code 38 | 1682 VILLAGE GREEN CROFTON, MD 21117 | $35K |
| KOHAN STRATEGIC MEDIA LLC NONE | Participant communication; Direct payment from the plan Service code 38 | 6522 ABBEY WAY BALTIMORE, MD 21212 | $28K |
| PRINTING PRODUCTIONS NONE | Direct payment from the plan; Copying and duplicating Service code 36 | 1333-E SHEPARD DRIVE STERLING, VA 20164 | $28K |
| EXCLAMATION COMMUNICATIONS INC NONE | Direct payment from the plan; Participant communication Service code 38 | P.O. BOX 152 MILLERSVILLE, MD 21108 | $25K |
| HODGSON CONSULTING NONE | Consulting fees; Direct payment from the plan; Participant communication Service code 38 | 10401 CONNECTICUT AVENUE 103 KENSINGTON, MD 20895 | $24K |
| DANIEL BALKIN NONE | Participant communication; Direct payment from the plan Service code 38 | 11006 GAITHER FARM ROAD ELLICOTT CITY, MD 21042 | $23K |
| MOUNT ROYAL PRINTING NONE | Direct payment from the plan; Copying and duplicating Service code 36 | 6310 BLAIR HILL LANE BALTIMORE, MD 21209 | $21K |
| SPRINGFIELD PRINT & GRAPHICS NONE | Copying and duplicating; Direct payment from the plan Service code 36 | P.O. BOX 230339 CENTREVILLE, VA 20120 | $19K |
| TARGET MARKETING LLC NONE | Direct payment from the plan; Participant communication Service code 38 | 11404 CRONRIDGE DRIVE OWNINGS MILLS, MD 21117 | $17K |
| GOVERNMENT EXECUTIVE MEDIA NONE | Direct payment from the plan; Participant communication Service code 38 | P.O. BOX 69029 BALTIMORE, MD 21264 | $13K |
| THE MARKETING CLICK, LLC NONE | Direct payment from the plan; Participant communication Service code 38 | 1529 CRESTVIEW ROAD JOPPA, MD 21085 | $9K |
| VECTOR MEDIA HOLDING GROUP NONE | Participant communication; Direct payment from the plan Service code 38 | 560 LEXINGTON AVENUE, 14TH FLLOR NEW YORK, NY 10022 | $6K |
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 | 16,737 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 16,737 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL VISION ADMINISTRATORS, LLC (GERBER) | 5,347 | $375K |
| Life insurance | NEW YORK LIFE INSURANCE COMPANY | 6,250 | $5.6M |
| Long-term disability | NEW YORK LIFE INSURANCE COMPANY | 1,309 | $682K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 86 | $183K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,250 | — |
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.