| 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 | — | $1.1M | $1.1M | 19.94% |
| GOVERNMENT EMPLOYEES' BENEFIT ASSOC3 | 1362 MELLON ROAD SUITE 100 HANOVER, MD 21076 | NEW YORK LIFE INSURANCE COMPANY | — | $147K | $147K | 20.00% |
| GOVERNMENT EMPLOYEES' BENEFIT ASSOC3 | 1362 MELLON ROAD SUITE 100 HANOVER, MD 21076 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 2.70% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GEBA STAFF EMPLOYEES | Direct payment from the plan; Accounting (including auditing); Employee (plan) Service code 10 | — | $1.1M |
| THE CYPHERS AGENCY NONE | Participant communication; Direct payment from the plan Service code 38 | 1682 VILLAGE GREEN CROFTON, MD 21117 | $215K |
| ASTRIATA NONE | Direct payment from the plan; Other services Service code 49 | P.O. BOX 65271 BALTIMORE, MD 21209 | $109K |
| 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 | $72K |
| CLEAR CHANNEL NONE | Other services; Direct payment from the plan Service code 49 | PO BOX 402379 ATLANTA, GA 30384 | $51K |
| CARRIER & AFFINITY GROUP NONE | Direct payment from the plan; Other services Service code 49 | 74521 HIGHWAY 1081 COVINGTON, LA 70435 | $48K |
| STRATEGIC MARKETING NONE | Consulting fees; Other services; Direct payment from the plan Service code 49 | 87 EAST AVENUE NEW CANAAN, CT 06840 | $36K |
| KOHAN STRATEGIC MEDIA LLC NONE | Participant communication; Direct payment from the plan Service code 38 | 6522 ABBEY WAY BALTIMORE, MD 21212 | $32K |
| ANRO NONE | Direct payment from the plan; Participant communication Service code 38 | 931 S MATLACK STREET WEST CHESTER, PA 19382 | $31K |
| FED NEWS NONE | Direct payment from the plan; Other services Service code 49 | PO BOX 645431 CINCINNATI, OH 45264 | $31K |
| GOOGLE ADWORDS NONE | Other services; Direct payment from the plan Service code 49 | 1600 AMPHITHEATRE PARKWAY MOUNTAIN VIEW, CA 94043 | $29K |
| ASSOCIATIONS REWIRED NONE | Direct payment from the plan; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 6338 VILLA LANE FALLS CHURCH, VA 22044 | $17K |
| EXCELIOR SOFTWARE NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Consulting fees Service code 15 | 1976 VALLEY ROAD ANNAPOLIS, MD 21401 | $13K |
| MARCUM NONE | Direct payment from the plan; Other services Service code 49 | 1899 L STREET, NW, SUITE 850 WASHINGTON, DC 20036 | $11K |
| BOLTON PARTNERS NONE | Direct payment from the plan; Investment advisory (plan); Consulting fees Service code 27 | 36 SOUTH CHARLES STREET BALTIMORE, MD 21201 | $10K |
| VECTOR MEDIA HOLDING GROUP NONE | Direct payment from the plan; Participant communication Service code 38 | 560 LEXINGTON AVENUE, 14TH FLOOR NEW YORK, NY 10022 | $10K |
| THE MARKETING CLICK, LLC NONE | Direct payment from the plan; Participant communication Service code 38 | 1529 CRESTVIEW ROAD JOPPA, MD 21085 | $8K |
| FOCUS 3 DESIGN NONE | Consulting fees; Direct payment from the plan; Consulting (general) Service code 16 | 8950 STATE ROUTE 108, SUITE 112 COLUMBIA, MD 21045 | $8K |
| PERR AND KNIGHT NONE | Other services; Consulting fees; Direct payment from the plan Service code 49 | 401 WILSHIRE BLVD., SUITE 300 SANTA MONICA, CA 90401 | $6K |
| FEEA NONE | Other services; Direct payment from the plan Service code 49 | 1641 PRINCE STREET ALEXANDRIA, VA 22314 | $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 | 16,553 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 16,553 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | NEW YORK LIFE INSURANCE COMPANY | 5,799 | $5.5M |
| Long-term disability | NEW YORK LIFE INSURANCE COMPANY | 1,182 | $737K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 74 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,799 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.