2015-11-15T10:42:22-06:00 2014-12-31 BOND BEEBE PC 4600 EAST-WEST HIGHWAY SUITE 900 BETHESDA MD 208143423 990 2014-01-01 526048633 COMPASS ROSE BENEFITS GROUP % WILLIAM J SIMMONS COMP 5712040605 PO BOX 8816 RESTON VA 20195 WILLIAM SIMMONS TREASURER 5712040605 2015-11-12 true SCOTT PRICE P00686063 3012726000 2014 2016-04-25 22:37:26Z RANDY STOUGHTON PO BOX 8816 RESTON VA 20195 216927563 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. 7 7 34 0 0 0 0 207521581 214229908 1002478 1100181 0 0 208524059 215330089 0 0 187974145 191246895 3067164 3146635 0 0 0 15255866 17450664 206297175 211844194 2226884 3485895 86367888 101997344 61453590 75209479 24914298 26787865 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 34 true false false false false false false X 7 7 false false true false true true false true true false false true true true true true true true false false X WILLIAM J SIMMONS 5712040605 1768 BUSINESS CENTER DR STE 3500 RESTON VA 20190 X CHARLES PASQUALE CHAIRMAN 1.0 0.0 X 0 0 0 BEVERLY BORICH CHRISTIANA RETIREE REPRESENTATIVE 1.0 0.0 X 0 0 0 GWEN GASKINS RETIREE REPRESENTATIVE 1.0 0.0 X 0 0 0 JULIE LUND ACTIVE REPRESENTATIVE 1.0 0.0 X 0 0 0 KEVIN SMITH ACTIVE REPRESENTATIVE 1.0 0.0 X 0 0 0 ED THOMPSON INDUSTRY EXPERT 1.0 0.0 X 0 0 0 BILL TRIKAS RETIREE REPRESENTATIVE 1.0 0.0 X 0 0 0 RANDY STOUGHTON PRESIDENT 40.0 0.0 X 253113 0 12256 SHERRI HEBERT VICE PRESIDENT 40.0 0.0 X 216975 0 24145 WILLIAM SIMMONS TREASURER 40.0 0.0 X 165088 0 15003 MARY O'CONNELL SECRETARY (THRU 1/2014) 40.0 0.0 X 16812 0 672 DONNA SPINA SECRETARY (EFF 2/2014) 40.0 0.0 X 105000 0 19199 DHARTI DESAI CONTROLLER 40.0 0.0 X 112377 0 19513 STACY OUTLAW DIRECTOR, MKG & COMMUNICATIONS 40.0 0.0 X 110756 0 12752 PETER CHAN SYSTEM ARCHITECT 40.0 0.0 X 109583 0 18036 ALFRED ROBINSON SECURITY OFFICER 40.0 0.0 X 106040 0 4937 1195744 0 126513 8 false true false UNITED HEALTHCARE 5901 LINCOLN DRIVE EDINA MN 55436 PPO NETWORK FEES 6533392 EXPRESS SCRIPTS 100 PARSONS POND DR FRANKLIN LAKES NJ 07417 PBM ADMIN FEES 5547168 INFORMED 1596 WHITEHALL ROAD ANNAPOLIS MD 21409 ADMINISTRATOR FEES 3537221 INSPERITY 19001 CRESCENT SPRINGS DRIVE KINGWOOD TX 77339 PEO FEES 3080670 MULTIPLAN 115 5th AVE 7th FLOOR NEW YORK NY 10003 NETWORK WRAP FEES 385663 13 0 INSURANCE PREMIUMS 525100 211018431 211018431 SPECIAL PRODUCTION ADMININSTRATIVE FEES 561000 679427 679427 SERVICE ALLOWANCE 900099 1731249 1731249 INSURANCE PREMIUM REBATES 525100 800801 800801 214229908 976008 976008 0 0 0 0 0 1721647 1597474 124173 124173 124173 0 0 0 0 215330089 214229908 1100181 0 0 0 191246895 828262 0 1824423 66028 250315 177607 0 42498 142769 0 0 142431 12312324 77240 380051 111354 0 368056 68338 0 0 0 0 150011 40399 ACA TRANSITIONAL REINSURANCE 1823121 SERVICE ALLOWANCE 1731249 TRAINING EXPENSE 16850 MEMBER SURVEY & DUES 11727 32246 211844194 X 3606545 5794737 37853179 41522418 0 0 19568711 28541398 0 0 0 0 0 0 0 0 211385 212877 2061735 1832978 359859 228757 24280236 25243861 262265 277627 0 0 0 0 225708 175669 86367888 101997344 679882 604740 0 0 0 0 0 0 0 0 0 0 0 0 0 0 60773708 74604739 61453590 75209479 X 24914298 26787865 0 0 0 0 24914298 26787865 86367888 101997344 X 3485895 113876 -1726204 X false true X true false 0 858929 858929 352691 335873 16818 850115 638176 211939 228757 0 SPECIAL RESERVE - OPM 41603791 HEALTH CLAIMS 24898345 CLAIMS RESERVES 7816808 PREMIUMS PAYABLE 285795 74604739 X 215443965 113876 113876 215330089 215330089 211844194 211844194 211844194 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, 2014 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 233515 0 19598 10125 0 2131 0 265369 0 0 0 SHERRI HEBERT VICE PRESIDENT 200109 0 16866 8679 0 15466 0 241120 0 0 0 WILLIAM SIMMONS TREASURER 160088 0 5000 6604 0 8399 0 180091 0 0 0 MARY SIMMONS SEE PART V 81015 WAGES false CHRISTOPHER HEBERT SEE PART V 34214 WAGES false RELATIONSHIP BETWEEN INTERESTED PERSONS AND ORGANIZATION: FAMILY MEMBER OF WILLIAM SIMMONS, TREASURER RELATIONSHIP BETWEEN INTERESTED PERSONS AND ORGANIZATION: FAMILY MEMBER OF SHERRI HEBERT, VICE PRESIDENT 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 THREE ACTIVE MEMBERS, FOUR 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). 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: $ 10,957,438 Contingency reserve transfer $(12,683,642) Change in special reserve ------------ $ (1,726,204) Net other changes in net assets ============ PART VI, LINE 4 - CHANGES TO BYLAWS DURING TAX YEAR: 1. DATE FOR ELECTION OF DIRECTORS MOVED TO NOVEMBER, PRIOR INDICATED CHANGE TO OCTOBER BUT NOTED THIS WAS AN ERROR IN PRIOR YEAR AND HAS SINCE BEEN UPDATED. 2. CHANGE ADOPTED STARTING 1/1/2015 THAT THE PLAN WILL EXPAND THE ELIGIBLITY OF OFFERING SUPPLEMENTAL INSURANCE PLANS TO ALL FEDERAL EMPLOYEES.