| 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 | — | $1.0M | $1.0M | 20.06% |
| GOVERNMENT EMPLOYEES' BENEFIT ASSOC3 | 1362 MELLON ROAD SUITE 100 HANOVER, MD 21076 | NEW YORK LIFE INSURANCE COMPANY | — | $144K | $144K | 20.00% |
| GOVERNMENT EMPLOYEES' BENEFIT ASSOC3 | 1362 MELLON ROAD SUITE 100 HANOVER, MD 21076 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $4K | $4K | 6.61% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GEBA STAFF EMPLOYEES | Employee (plan); Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $1.1M |
| NEXUS DIRECT NONE | Other services; Direct payment from the plan Service code 49 | 780 LYNNHAVEN PARKWAY, SUITE 400 VIRGINIA BEACH, VA 23452 | $523K |
| SEQUENCE CONSULTING NONE | Direct payment from the plan; Other services Service code 49 | 116 ADAMS STREET HINSDALE, IL 60521 | $85K |
| B/NET SYSTEMS NONE | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | 652 HOWARDS LOOP ANNAPOLIS, MD 21401 | $77K |
| 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 | $75K |
| 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 |
| PRINTING PRODUCTIONS NONE | Direct payment from the plan; Copying and duplicating Service code 36 | 1333-E SHEPARD DRIVE STERLING, VA 20164 | $39K |
| VECTOR MEDIA HOLDING GROUP NONE | Participant communication; Direct payment from the plan Service code 38 | 560 LEXINGTON AVENUE, 14TH FLOOR NEW YORK, NY 10022 | $31K |
| THE CYPHERS AGENCY NONE | Participant communication; Direct payment from the plan Service code 38 | 1682 VILLAGE GREEN CROFTON, MD 21114 | $30K |
| MOUNT ROYAL PRINTING NONE | Copying and duplicating; Direct payment from the plan Service code 36 | 6310 BLAIR HILL LANE BALTIMORE, MD 21209 | $27K |
| KOHAN STRATEGIC MEDIA LLC NONE | Direct payment from the plan; Participant communication Service code 38 | 6522 ABBEY WAY BALTIMORE, MD 21212 | $24K |
| STERBENZ NONE | Direct payment from the plan; Other services Service code 49 | 504 SW HICKORY CT. GRIMES, IA 50111 | $23K |
| 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 | $18K |
| AVA PARTNERS NONE | Other services; Direct payment from the plan Service code 49 | 16 PONDWAY DRIVE ALTON, IL 62002 | $18K |
| BOLTON PARTNERS NONE | Investment advisory (plan); Direct payment from the plan; Consulting fees Service code 27 | 36 SOUTH CHARLES STREET BALTIMORE, MD 21201 | $14K |
| CLIFTON, LARSON, & ALLEN NONE | Investment management fees paid directly by plan; Investment advisory (plan); Direct payment from the plan Service code 27 | 220 SOUTH SIXTH STREET, SUITE 300 MINNEAPOLIS, MN 55402 | $11K |
| 2040 DIGITAL NONE | Other services; Direct payment from the plan Service code 49 | 11619 HITCHING POST LANE, SUITE 200 ROCKVILLE, MD 20852 | $10K |
| LUCE RESEARCH NONE | Other services; Direct payment from the plan Service code 49 | 5086 LIST DRIVE COLORADO SPRINGS, CO 80919 | $9K |
| GOVERNMENT EXECUTIVE MEDIA NONE | Participant communication; Direct payment from the plan Service code 38 | P.O. BOX 69029 BALTIMORE, MD 21264 | $8K |
| TRAYNOR RESEARCH NONE | Other services; Direct payment from the plan Service code 49 | 357 PINES BLVD. LAKE VILLA, IL 60046 | $7K |
| ASTRIATA NONE | Direct payment from the plan; Other services Service code 49 | P.O. BOX 65271 BALTIMORE, MD 21209 | $7K |
| ARMED FORCES NONE | Other services; Direct payment from the plan Service code 49 | 17 HOFF CT, SUITE B ESSEX, MD 21221 | $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 | 16,104 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 16,104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | NEW YORK LIFE INSURANCE COMPANY | 5,197 | $5.2M |
| Long-term disability | NEW YORK LIFE INSURANCE COMPANY | 1,113 | $719K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 72 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,197 | — |
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.