2018-11-15T12:09:30-06:00 2017-12-31 WITHUMSMITHBROWNPC 4600 EAST WEST HWY 900 BETHESDA MD 208143423 990 2017-01-01 526048633 COMPASS ROSE BENEFITS GROUP % WILLIAM J SIMMONS COMP 5714021344 PO BOX 8816 RESTON VA 20195 WILLIAM SIMMONS TREASURER 5714021344 2018-11-15 true RICHARD L RUVELSON P00234075 3012726000 209.190.253.84 22006220183195000199 2018-11-15 P 83E8D17CDFFEEABAB04596B5687894C085F7A0D5 CDE1CE6B985DE454D8332C6A12207530D84425F4 2017 2019-02-21 02:37:17Z RANDY STOUGHTON PO BOX 8816 RESTON VA 20195 234102024 false X WWW.COMPASSROSEBENEFITS.COM X 1948 DC PROVIDE HEALTH AND OTHER INSURANCE COVERAGE TO UNITED STATES GOVERNMENT EMPLOYEES AS WELL AS CIVILIAN AND RETIRED EMPLOYEES OF THE DEPARTMENT OF DEFENSE. 10 10 38 0 0 0 0 223529826 232169285 468411 1219002 0 0 223998237 233388287 0 0 220840173 206944918 3330155 3206201 0 0 0 15533521 15137334 239703849 225288453 -15705612 8099834 99476387 116965212 72515190 87780406 26961197 29184806 PROVIDE HEALTH AND OTHER INSURANCE COVERAGE TO UNITED STATES GOVERNMENT EMPLOYEES. false false COMPASS ROSE BENEFITS GROUP PROVIDES HEALTH AND OTHER SPECIALTY INSURANCE PRODUCTS AND SERVICES THAT ARE ONLY AVAILABLE TO CIVILIAN EMPLOYEES AND RETIREES OF THE DEPARTMENT OF DEFENSE, EMPLOYEES OF THE DEPARTMENT OF STATE AND THE INTELLIGENCE COMMUNITY. SPONSORSHIP OF A FEDERAL EMPLOYEE HEALTH BENEFIT PLAN ("FEHBP") AS AN EMPLOYEE ORGANIZATION PLAN UNDER THE FEHBP COVERING CERTAIN FEDERAL GOVERNMENTAL EMPLOYEES AND ANNUITANTS. false false false false false false false false false true false false false true true true false false false false false false false false false false false false true false false false false true false false false false false false false false false true 274 0 true 38 true false false false false false false X 10 10 false false true false true true false true true false false true true true true true true true false false X WILLIAM J SIMMONS 5714021344 11490 COMMERCE PARK DRIVE SUITE 220 RESTON VA 20191 X Kevin Smith Chairman 1.0 0.0 X 0 0 0 Barbara Blufer Retiree Representative 1.0 0.0 X 0 0 0 Beverly Borich Christiana Retiree Representative 1.0 0.0 X 0 0 0 Ann Crouch Active Representative 1.0 0.0 X 0 0 0 Gwen Gaskins Retiree Representative 1.0 0.0 X 0 0 0 Mark Williams Director 1.0 0.0 X 0 0 0 Mary Haley Active Representative 1.0 0.0 X 0 0 0 Eileen Swicker Retiree Representative 1.0 0.0 X 0 0 0 John Hairston Wright Retiree Representative(former) 1.0 0.0 X 0 0 0 Michael Forde Director 1.0 0.0 X 0 0 0 Edward Frank Director 1.0 0.0 X 0 0 0 Randy Stoughton President 40.0 0.0 X 281527 0 12978 Sherri Hebert Vice President 40.0 0.0 X 232160 0 19159 William Simmons Treasurer 40.0 0.0 X 183660 0 24205 Sue McConnell Secretary 40.0 0.0 X 137336 0 15012 Dharti Desai Controller 40.0 0.0 X 130596 0 20827 Peter Chan System Architect 40.0 0.0 X 127761 0 20701 1093040 0 112882 6 false true false UNITED HEALTHCARE 5901 LINCOLN DRIVE EDINA MN 55436 PPO NETWORK FEES 6928895 EXPRESS SCRIPTS 100 PARSONS POND DRIVE FRANKLIN LAKES NJ 07417 PBM ADMIN FEES 3512521 BOGNET CONSTRUCTION ASSOCIATION 8224 OLD COURTHOUSE ROAD SUITE 200 VIENNA VA 22182 BUILD OUT CONTRACTOR 887160 PLUTO RX 5048 TENNYSON PARKWAY PLANO TX 75024 PBM AUDIT 162990 WITHUMSMITHBROWN PC 4600 EAST WEST HWY STE 900 BETHESDA MD 20814 ACCOUNTING SERVICES 151754 11 0 INSURANCE PREMIUMS 525100 228955396 228955396 SPECIAL PRODUCTION ADMININSTRATIVE FEES 561000 554616 554616 SERVICE ALLOWANCE 900099 1987782 1987782 INSURANCE PREMIUM REBATES 525100 671491 671491 232169285 1149605 1149605 0 0 0 0 0 783134 713737 69397 69397 69397 0 0 0 0 0 0 0 0 0 0 233388287 232169285 1219002 0 0 0 206944918 906038 0 1780312 66294 251297 202260 0 87100 167531 0 0 272728 11253894 13609 242151 297167 0 370319 89823 0 0 0 0 160500 50053 SERVICE ALLOWANCE 1987782 ACA TRANSITIONAL REINSURANCE 43295 TAXES AND FEES 43450 SUBSCRIPTIONS 18584 39348 225288453 8785102 2660168 36027396 54895972 0 0 27989661 28883205 0 0 0 0 0 0 0 0 216129 166149 5643999 2392518 2315396 3251481 23582498 26493075 414858 452192 0 0 0 0 145347 162970 99476387 116965212 513110 451646 0 0 0 0 0 0 0 0 0 0 0 0 0 0 72002080 87328760 72515190 87780406 X 26961197 29184806 0 0 0 0 26961197 29184806 99476387 116965212 X 8099834 1579616 -7455841 X false true X true false 4073555 1092764 2980791 465837 386522 79315 1104606 913231 191375 3251481 0 SPECIAL RESERVE - OPM 53578203 HEALTH CLAIMS 24473014 CLAIMS RESERVES 8993670 PREMIUMS PAYABLE 283873 87328760 234967903 1579616 1579616 233388287 233388287 225288453 225288453 225288453 PART X, LINE 2 - FIN 48 FOOTNOTE: Accounting principles generally accepted in the United States of America require management of an organization to evaluate tax positions taken and recognize a tax liability if the organization has taken an uncertain position that more likely than not would not be sustained upon examination by the Internal Revenue Service. Management has evaluated the tax positions taken by CRBG and concluded that as of December 31, 2017 there are no uncertain positions taken or expected to be taken that would require recognition of a liability or disclosure in the financial statements. CRBG is subject to routine audits by taxing jurisdictions; however, there are currently no audits in progress for any tax periods. X X X false false false Randy Stoughton President 237527 0 44000 11261 0 1717 0 294505 0 0 0 Sherri Hebert Vice President 211515 0 20645 9287 0 9872 0 251319 0 0 0 William Simmons Treasurer 167328 0 16332 7346 0 16859 0 207865 0 0 0 Sue McConnell Secretary 130000 0 7336 5493 0 9519 0 152348 0 0 0 Dharti Desai Controller 123260 0 7336 5224 0 15603 0 151423 0 0 0 MARY SIMMONS FAMILY MEMBER OF WILLIAM SIMMONS, TREASURER 43074 WAGES false PART VI, SECTION A, LINE 6 - ORGANIZATION MEMBERS: MEMBERS IN INSURANCE PROGRAMS OFFERED BY COMPASS ROSE BENEFITS GROUP. PART VI, SECTION A, LINE 7A - ELECTION OF GOVERNING BODY: Compass Rose Benefits Group Board of Directors are elected to a Three-Year term that is staggered so that only a portion of the board is up for election each year. The Board is currently composed of four active members, five retired members and one Industry Expert. The Industry Expert is elected by the Board and has no predetermined term. With the exception of the Industry Expert, any member is eligible for election if they participate in at least one of the Insurance programs which Compass Rose Benefits Group offers. PART VI, SECTION B, LINE 11B - REVIEW OF FORM 990: THE FORM 990 IS REVIEWED BY SENIOR MANAGEMENT AND THE MEMBERS OF THE AUDIT AND FINANCE COMMITTEE. THE AUDIT AND FINANCE COMMITTEE, AFTER THEIR REVIEW AND APPROVAL, WILL MAKE A MOTION TO THE FULL BOARD TO APPROVE THE 990 FOR SUBMISSION. PART VI, SECTION B, LINE 12C - CONFLICT OF INTEREST POLICY: A COMMITTEE WITHIN THE BOARD OF DIRECTORS HAS BEEN ESTABLISHED TO OVERSEE AND ADDRESS CONFLICTS OF INTEREST (COI). ANNUALLY, BOARD MEMBERS AND KEY COMPASS ROSE EMPLOYEES SIGN ACKNOWLEDGEMENT THAT THEY HAVE RECEIVED, READ, AND WILL ADHERE TO COMPASS ROSE'S COI POLICY. THE POLICY ITSELF DETAILS THE PROCESS BY WHICH THE BOARD MONITORS AND ENFORCES POTENTIAL VIOLATIONS. PART VI, SECTION B, LINE 15A - COMPENSATION OF MANAGEMENT: THE COMPENSATION OF THE PRESIDENT IS VOTED UPON AND APPROVED BY A COMPENSATION COMMITTEE MADE UP OF BOARD MEMBERS. OTHER EMPLOYEE COMPENSATION IS SET BY SENIOR MANAGEMENT (PRESIDENT, VICE PRESIDENT, TREASURER). PART VI, SECTION C, LINE 19 - AVAILABILITY OF DOCUMENTS: OTHER THAN FORM 990, ALL OTHER GOVERNING DOCUMENTS, POLICIES, AND FINANCIAL STATEMENTS ARE ONLY MADE AVAILABLE TO THE PUBLIC UPON U.S. GOVERNMENT SECURITY APPROVAL. PART XI, LINE 9 - OTHER CHANGES IN NET ASSETS: $ 12,562,384 Contingency reserve transfer $(20,018,225) Change in special reserve ------------ $ (7,455,841) Net other changes in net assets ============ PART VI, SECTION A, LINE 4 - CURRENT YEAR CHANGES TO BYLAWS DIRECTORS ARE EXPECTED TO ATTEND ALL BOARD MEETINGS AND REQUIRED TO ATTEND, IN PERSON, THE ANNUAL MEETING. FAILURE TO ATTEND TWO-THIRDS OF MEETINGS A YEAR ARE GROUNDS FOR REMOVAL FROM THE BOARD.