2016-11-11T13:57:09-06:00 2015-12-31 BOND BEEBE PC 4600 EAST-WEST HIGHWAY SUITE 900 BETHESDA MD 208143423 990 2015-01-01 526048633 COMPASS ROSE BENEFITS GROUP % WILLIAM J SIMMONS COMP 5714021344 PO BOX 8816 RESTON VA 20195 WILLIAM SIMMONS TREASURER 5714021344 2016-11-07 true SCOTT PRICE P00686063 3012726000 2015 2017-02-10 21:41:12Z RANDY STOUGHTON PO BOX 8816 RESTON VA 20195 224282791 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. 11 11 39 0 0 0 0 214229908 217349930 1100181 1743843 0 0 215330089 219093773 0 0 191246895 187245666 3146635 3334565 0 0 0 17450664 15063540 211844194 205643771 3485895 13450002 101997344 120128988 75209479 91844934 26787865 28284054 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 1 0 true 39 true false false false false false false X 11 11 false false false false true true false true true false false true true true true true true true false false X WILLIAM J SIMMONS 5714021344 1768 BUSINESS CENTER DR STE 3500 RESTON VA 20190 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 MARY HALEY ACTIVE REPRESENTATIVE 1.0 0.0 X 0 0 0 JEFFREY HEPNER ACTIVE REPRESENTATIVE 1.0 0.0 X 0 0 0 JULIE LUND ACTIVE REPRESENTATIVE 1.0 0.0 X 0 0 0 EILEEN SWICKER RETIREE REPRESENTATIVE 1.0 0.0 X 0 0 0 ED THOMPSON INDUSTRY EXPERT 1.0 0.0 X 0 0 0 JOHN HAIRSTON WRIGHT RETIREE REPRESENTATIVE 1.0 0.0 X 0 0 0 RANDY STOUGHTON PRESIDENT 40.0 0.0 X 253900 0 11902 SHERRI HEBERT VICE PRESIDENT 40.0 0.0 X 218494 0 24153 WILLIAM SIMMONS TREASURER 40.0 0.0 X 172351 0 15813 DONNA SPINA SECRETARY 40.0 0.0 X 109322 0 18666 STACY OUTLAW DIRECTOR, MKG & COMMUNICATIONS 40.0 0.0 X 114162 0 13282 DHARTI DESAI CONTROLLER 40.0 0.0 X 113836 0 18865 PETER CHAN SYSTEM ARCHITECT 40.0 0.0 X 112673 0 18808 SUE MCCONNELL DIRECTOR, HP ADMIN & QUALITY 40.0 0.0 X 102707 0 12799 1197445 0 134288 8 false true false UNITED HEALTHCARE 5901 LINCOLN DRIVE EDINA MN 55436 PPO NETWORK FEES 6469071 INSPERITY 19001 CRESCENT SPRINGS DRIVE KINGWOOD TX 77339 PEO FEES 3275149 EXPRESS SCRIPTS 100 PARSONS POND DRIVE FRANKLIN LAKES NJ 07417 PBM ADMIN FEES 2837957 INFORMED 1596 WHITEHALL ROAD ANNAPOLIS MD 21409 ADMINISTRATOR FEES 198378 MULTIPLAN 115 5TH AVE 7TH FLOOR NEW YORK NY 10003 NETWORK WRAP FEES 194891 12 0 INSURANCE PREMIUMS 525100 213930238 213930238 SPECIAL PRODUCTION ADMININSTRATIVE FEES 561000 719450 719450 SERVICE ALLOWANCE 900099 1960828 1960828 INSURANCE PREMIUM REBATES 525100 739414 739414 217349930 923112 923112 0 0 0 0 0 6009749 5189018 820731 820731 820731 0 0 0 0 219093773 217349930 1743843 0 0 0 187245666 824602 0 1955382 74976 277083 202522 0 60616 163047 0 0 238313 10317574 22632 339499 175012 0 402270 79516 0 0 0 0 169495 46280 SERVICE ALLOWANCE 1960828 ACA TRANSITIONAL REINSURANCE 1009412 TAXES AND FEES 16421 MEMBER SURVEY & DUES 12217 50408 205643771 5794737 7551712 41522418 52634745 0 0 28541398 33427110 0 0 0 0 0 0 0 0 212877 200996 4292003 2002474 228757 2289529 25243861 23608749 277627 267405 0 0 0 0 175669 148742 101997344 120128988 604740 552569 0 0 0 0 0 0 0 0 0 0 0 0 0 0 74604739 91292365 75209479 91844934 X 26787865 28284054 0 0 0 0 26787865 28284054 101997344 120128988 X 13450002 -2309890 -9643923 X false true X true false 3056850 900087 2156763 365038 348847 16191 870115 753540 116575 2289529 0 SPECIAL RESERVE - OPM 59860104 HEALTH CLAIMS 24530368 CLAIMS RESERVES 6620309 PREMIUMS PAYABLE 281584 91292365 X 216783883 -2309890 -2309890 219093773 219093773 205643771 205643771 205643771 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, 2015 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 232335 0 21565 10156 0 1746 0 265802 0 0 0 SHERRI HEBERT VICE PRESIDENT 199305 0 18559 630 8740 0 15413 0 242647 0 0 0 WILLIAM SIMMONS TREASURER 157669 0 14682 6894 0 8919 0 188164 0 0 0 MARY SIMMONS SEE PART V 78989 WAGES false RELATIONSHIP BETWEEN INTERESTED PERSONS AND ORGANIZATION: FAMILY MEMBER OF WILLIAM SIMMONS, TREASURER 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 BY OUR MEMBERSHIP. THE BOARD IS CURRENTLY COMPOSED OF FIVE 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, THESE MEMBERS MUST BE EMPLOYEES OF ONE OF THE QUALIFYING AGENCIES UNDER THE OFFICE OF DIRECTOR OF NATIONAL INTELLIGENCE. ANY MEMBER IS ELIGIBLE FOR ELECTION IF THEY PARTICIPATE IN AT LEAST ONF 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: $ 8,612,390 Contingency reserve transfer $(18,256,313) Change in special reserve ------------ $ (9,643,923) Net other changes in net ============