Compass Rose Benefits Group

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1948

Legal Domicile

Phone

5714492358

Tax Period

2024-01-01 to 2024-12-31

Compass Rose Benefits Group, founded in 1948, is a major nonprofit that reported $230.8M in total revenue in fiscal year 2024. Expenses of $257.4M exceeded revenue, resulting in a 12% operating deficit.

Mission

PROVIDE HEALTH AND OTHER INSURANCE COVERAGE TO UNITED STATES GOVERNMENT EMPLOYEES

Program Service Accomplishments

Program 1

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, DEPARTMENT OF VETERAN AFFAIRS, EMPLOYEES OF THE DEPARTMENT OF STATE, EMPLOYEES OF HOMELAND SECURITY AND THE INTELLIGENCE COMMUNITY. SPONSOR OF A FEDERAL EMPLOYEE HEALTH BENEFIT PLAN ("FEHBP") AS AN EMPLOYEE ORGANIZATION PLAN UNDER THE FEHBP COVERING CERTAIN FEDERAL GOVERNMENTAL EMPLOYEES AND ANNUITANTS.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $228,489,228

Investment Income $2,346,320

Other Revenue $0

TOTAL REVENUE $230,835,548

Expense Breakdown

Grants Paid $56,858

Salaries & Benefits $5,382,895

Fundraising Expenses $0

Program Expenses $0

Other Expenses $11,490,538

TOTAL EXPENSES $257,447,506

Year-over-Year Comparison

	2024	2023	Change
Revenue	$230,835,548	$219,139,840	+0.1%
Expenses	$257,447,506	$248,171,704	+0.0%
Net Income	$-26,611,958	$-29,031,864	-0.1%

Key Indicators

✓ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$1,413,437

Total Directors

$88,250

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ANN CROUCH	DIRECTOR	1.0	Director	$12,000	$0	$12,000
BARBARA BLUFER	DIRECTOR	1.0	Director	$7,000	$0	$7,000
GWEN GASKINS	DIRECTOR/VICE CHAIRMAN	1.0	Director	$10,500	$0	$10,500
JOEL SELTZER	DIRECTOR	1.0	Director	$9,000	$0	$9,000
JOSEPH SCHAFER PHD	DIRECTOR	1.0	Director	$7,000	$0	$7,000
KEVIN SMITH	DIRECTOR/CHAIRMAN	1.0	Director	$13,500	$0	$13,500
LESLIE PYENSON MD	DIRECTOR	1.0	Director	$0	$0	$0
MICHAEL FORDE	DIRECTOR	1.0	Director	$8,250	$0	$8,250
MIKE MICHAELS	DIRECTOR	1.0	Director	$9,000	$0	$9,000
SHANTARIA RICHARDSON	DIRECTOR	1.0	Director	$7,000	$0	$7,000
TRACY GRIGGS	DIRECTOR	1.0	Director	$5,000	$0	$5,000
DHARTI DESAI	Treasurer/Chief Financial Officer beg JUL 24	40.0	Officer	$197,211	$31,943	$229,154
JONI HUBER	Vice President / Chief Operating Officer	40.0	Officer	$227,907	$30,146	$258,053
KEVIN LANNING	President / Chief Executive Officer BEG APRIL 2024	40.0	Officer	$254,165	$34,191	$288,356
RANDY STOUGHTON	PRESIDENT/CEO thru MAR 2024	40.0	Officer	$150,894	$6,924	$157,818
SHERRI HERBERT	Secretary/Chief Administrative Officer	20.0	Officer	$209,758	$8,390	$218,148
WILLIAM SIMMONS	Treas & CFO Thru JUN 24/Senior Fin. Analyst	40.0	Officer	$226,841	$35,067	$261,908
DEBORAH HUBBARD	Manager, Health Plan Administration	40.0	Highest	$128,457	$26,285	$154,742
PAUL GOVATOS	CHIEF INNOVATION OFFICER	40.0	Highest	$297,201	$24,345	$321,546
PETER CHAN	DIRECTOR OF INFORMATION TECHNOLOGY	40.0	Highest	$173,241	$27,159	$200,400
SAMANTHA COLEMAN	Director of Quality and Clinical Oversight	40.0	Highest	$171,348	$9,053	$180,401
ZACHARY RAWN	Director of Health Plan Administration	40.0	Highest	$146,624	$25,822	$172,446

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2024	$230,835,548	$257,447,506	$109,459,676	$-26,611,958
2023	$219,139,840	$248,171,704	$99,329,844	$-29,031,864
2022	$217,402,891	$231,036,227	$105,793,925	$-13,633,336
2021	$233,746,948	$236,245,917	$127,142,865	$-2,498,969
2021	$233,746,948	$236,245,917	$127,142,865	$-2,498,969
2020	$234,095,522	$230,133,439	$118,539,407	$3,962,083
2019	$233,979,738	$247,486,797	$104,313,086	$-13,507,059
2018	$241,141,286	$238,530,768	$110,403,230	$2,610,518