| 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 | — | $131K | $131K | 20.00% |
| GOVERNMENT EMPLOYEES' BENEFIT ASSOC3 | 9800 SAVAGE ROAD, OPS 2A VCC FORT MEADE, MD 20755 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 1.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GEBA STAFF EMPLOYEES | Direct payment from the plan; Accounting (including auditing); Employee (plan) Service code 10 | — | $1.4M |
| THE CYPHERS AGENCY NONE | Direct payment from the plan; Participant communication Service code 38 | 1682 VILLAGE GREEN CROFTON, MD 21117 | $403K |
| NIMBLE NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting fees Service code 15 | 9620 EXECUTIVE CENTER DRIVE NORTH2 ST. PETERSBURG, FL 33702 | $199K |
| B/NET SYSTEMS NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Direct payment from the plan Service code 15 | 652 HOWARDS LOOP ANNAPOLIS, MD 21401 | $138K |
| ASTRIATA NONE | Direct payment from the plan; Other services Service code 49 | P.O. BOX 65271 BALTIMORE, MD 21209 | $40K |
| PRINTING PRODUCTIONS NONE | Direct payment from the plan; Copying and duplicating Service code 36 | 1333-E SHEPARD DRIVE STERLING, VA 20164 | $37K |
| KOHAN STRATEGIC MEDIA LLC NONE | Direct payment from the plan; Participant communication Service code 38 | 6522 ABBEY WAY BALTIMORE, MD 21212 | $33K |
| 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 | $30K |
| MOUNT ROYAL PRINTING NONE | Copying and duplicating; Direct payment from the plan Service code 36 | 6310 BLAIR HILL LANE BALTIMORE, MD 21209 | $20K |
| GOVERNMENT EXECUTIVE MEDIA NONE | Participant communication; Direct payment from the plan Service code 38 | P.O. BOX 69029 BALTIMORE, MD 21264 | $12K |
| FORCE COUNSEL(ASSOCIATIONS REWIRED) NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Consulting fees Service code 15 | 6338 VILLA LANE FALLS CHURCH, VA 22044 | $11K |
| SIGHTLINE MEDIA GROUP NONE | Direct payment from the plan; Participant communication Service code 38 | P.O. BOX 230339 CENTREVILLE, VA 20120 | $9K |
| DANIEL BALKIN NONE | Participant communication; Direct payment from the plan Service code 38 | 11006 GAITHER FARM ROAD ELLICOTT CITY, MD 21042 | $7K |
| PANDORA MEDIA, INC. NONE | Participant communication; Direct payment from the plan Service code 38 | 25601 NETWORK PLACE CHICAGO, IL 60673 | $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 | 16,774 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 16,774 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL VISION ADMINISTRATORS, LLC (GERBER) | 5,469 | $265K |
| Life insurance | NEW YORK LIFE INSURANCE COMPANY | 6,024 | $5.4M |
| Long-term disability | NEW YORK LIFE INSURANCE COMPANY | 1,267 | $657K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 79 | $337K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,024 | — |
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.