Compass Rose Benefits Group

Not tax-deductible

Reston, VAMutual-benefit / member-servingSince 1948EIN 52-6048633

Provide health and other specialty products and services to united states government employees.

$2.0M paid to officers and key staff.
Mission: Form 990 Part I, line 1 · Pay: Part VII

Before you give

FY2025 · Form 990Independent: from IRS data, not the org
Download 990
Tax-deductible gifts
No
Donations are not tax-deductible
Worth a look: the IRS does not list gifts to it as deductible.
IRS Pub. 78 · IRS BMF
Latest return
FY2025
latest Form 990
Looks good: the latest return is for FY2025, 1 tax year back; within 2 tax years.
IRS e-file · Filing history
Surplus or deficit
1 of 6
filings with a surplus
Average deficit $14.3M a year · 6% of revenue · last 6 filings
Concern: a surplus in 1 of the last 6 filings.
Pt I · Ln 19 · 6 filings
Spent on programs
0%
of spending
Concern: 0% of spending went to programs; under 50%.
Pt IX · Ln 25 · col B
Pay to officers and key staff
$2.0M
to officers and key staff · 0.7% of spending
Looks good: pay to officers and key staff is 1% of spending; 15% or less.
Pt VII · Sec A
Cash reserves
3 mo
of spending, in cash
Fine: 2.9 months of spending in cash; 1 to 3.
Pt X · Ln 1–2 · Pt I · Ln 18
Liabilities
$123.1M
77% of total assets
Worth a look: liabilities are 77% of assets; over 65%.
Pt X · Ln 26
Independent board members
9
of 9 voting members
Looks good: 9 of 9 voting members are independent, a majority.
Pt VI · Ln 1a–1b
Looks goodFineWorth a lookConcernNo data yetTap a box for the reason.
Revenue
$287.9M
+25% vs prior year
Spent
$305.5M
To programs
0%
Net assets
$36.6M
By yearFY2020–FY2025
Revenue
$287.9M
FY2025▲ +25%
Revenue by fiscal year
FY2020$234.1M
FY2021$233.7M
FY2022$217.4M
FY2023$219.1M
FY2024$230.8M
FY2025$287.9M
Expenses
$305.5M
FY2025▲ +19%
Expenses by fiscal year
FY2020$230.1M
FY2021$236.2M
FY2022$231.0M
FY2023$248.2M
FY2024$257.4M
FY2025$305.5M
Net assets
$36.6M
FY2025▲ +17%
Net assets by fiscal year
FY2020$28.6M
FY2021$29.7M
FY2022$27.0M
FY2023$32.1M
FY2024$31.3M
FY2025$36.6M

From the FY2025 Form 990 · figures checked against the IRS filing · see the original

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Is it real?

Yes. Never revoked by the IRS. Latest filing on record: FY2025. IRS ruling in Aug 1949.

IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File

Who runs it and what they're paid

18 people listed on the 990; $2.0M paid to officers and key staff.

Part VII, Section A · reportable compensation
Chief Information Officer
$302,963Pt VII · Sec A
President / Chief Executive Officer
$268,414Pt VII · Sec A
Vice President / Chief Operating Officer
$254,937Pt VII · Sec A
Treasurer / Chief Financial Officer
$238,676Pt VII · Sec A
Senior Financial Analyst
$191,183Pt VII · Sec A
Director of Quality and Clinical Oversight
$181,417Pt VII · Sec A
Director of Information Technology
$177,087Pt VII · Sec A
Secretary / Chief Administrative Officer
$175,500Pt VII · Sec A

Compensation history total reportable pay by year · 8 named individuals · Part VII

NameFY2025FY2024FY2023FY2022FY2021FY2020
Randy Stoughton—$150,894$344,246$327,800$313,042$300,935
Paul Govatos$302,963$297,201$274,204$259,839$238,050$220,162
Sherri Herbert—$209,758$245,284$286,232$273,544$262,616
Kevin Lanning$268,414$254,165$188,673$179,200$167,030$158,087
Joni Huber$254,937$227,907$197,750$176,608$153,533$139,523
Dharti Desai$238,676$197,211$181,105$161,261$154,318$148,018
William Simmons$191,183$226,841$235,503$223,804$214,220$206,473
Samantha Coleman$181,417$171,348$160,914———

Total reportable compensation (Form 990 Part VII column D / Schedule J column E) by filing year, matched by name within this organization. The Schedule J base / bonus / deferred breakdown is not parsed into this dataset.

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Questions the 990 asks

The form asks each of these directly. These are the filed answers.

  • Family or business ties among officersPt VI · Ln 2No
  • Top official's pay set by an independent reviewPt VI · Ln 15aYes

Programs and updates

Offers health and other insurance to US government and Department of Defense employees.

Provided by the organization

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1 program service, described in the organization's own filed words · FY2025.
01

Compass rose benefits group provides health insurance to all civilian employees and retirees of the federal employees health benefit (fehb) program except for postal employees and retirees.

Pt IX · col B

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Funders

Who pays for it.

From grant filings on record. Receipts are incomplete: individual donors are never listed.

Grants

Schedule I · this organization's grantmaking
Grants paid · 12 grants · $302K · 2020–2025

By the numbers

The FY2025 990, line by line.

1The main four
Money inPt VIII
$287.9M
Ln 12
Fees for servicesLn 2g$284.0M
Investment incomeLn 3$3.8M
Money outPt IX
$305.5M
Ln 25
Owns and owesPt X
$36.6M
net assets · Ln 32
Cash and savingsLn 1–2$72.7M
Total assetsLn 16$159.8M
LiabilitiesLn 26$123.1M
PeoplePt VI, VII
18
listed · VII A
PaidVII A18
Voting boardVI 1a9
IndependentVI 1b9
2In more detail
Revenue in detailPt VIII
Fees for servicesLn 2g$284.0M
Investment incomeLn 3$3.8M
Gains on assetsLn 7$66K
Total revenueLn 12$287.9M
Assets in detailPt X, end of year
CashLn 1$0
SavingsLn 2$72.7M
Cash and savings togetherLn 1–2$72.7M
InvestmentsLn 11–13$41.5M
Land, buildings, equipmentLn 10c$2.3M
Other assetsLn 15$296K
Total assetsLn 16$159.8M
LiabilitiesLn 26$123.1M
Net assetsLn 32$36.6M
OperationsPt I, VI
EmployeesI 531
VolunteersI 60
Fiscal year endsHeaderDecember
Conflict-of-interest policyVI 12aYes
Whistleblower policyVI 13Yes
Records policyVI 14Yes
3Year over year
Balance sheet, start vs end of yearPt X · col A, B
LineStart FY25End FY25
Cash and savingsLn 1–2$36.3M$72.7M
InvestmentsLn 11–13$38.2M$41.5M
Land, buildings, equipmentLn 10c$2.4M$2.3M
Total assetsLn 16$109.5M$159.8M
LiabilitiesLn 26$78.2M$123.1M
Net assetsLn 32$31.3M$36.6M
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Grants to domestic organizationsLn 1$50K
Benefits paid to or for membersLn 4$288.0M
Pay of current officers, directors and key staffLn 5$1.1M
Other salaries and wagesLn 7$3.2M
Pension plan contributionsLn 8$140K
Other employee benefitsLn 9$387K
Payroll taxesLn 10$411K
Legal feesLn 11b$122K
Accounting feesLn 11c$303K
Investment management feesLn 11f$185K
Other fees for servicesLn 11g$6.6M
Advertising and promotionLn 12$782K
Office expensesLn 13$204K
Information technologyLn 14$480K
OccupancyLn 16$143K
TravelLn 17$142K
Conferences, conventions and meetingsLn 19$25K
Depreciation, depletion and amortizationLn 22$307K
InsuranceLn 23$460K
Other expenses (24a–d)Ln 24$2.4M
All other expensesLn 24e$0
Total functional expensesLn 25$305.5M

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2025 Latest Viewing $287.9M$305.5M−$17.7M$36.6M 990 PDF
FY2024 $230.8M$257.4M−$26.6M$31.3M 990 PDF
FY2023 $219.1M$248.2M−$29.0M$32.1M 990 PDF
FY2022 $217.4M$231.0M−$13.6M$27.0M 990 PDF
FY2021 $233.7M$236.2M−$2.5M$29.7M 990 PDF
FY2020 $234.1M$230.1M$4.0M$28.6M 990 PDF

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Schedules filed Part IV

III · Programs I · Grants R · Related orgs G · Fundraising L · Interested persons A · Public support F · Foreign M · Noncash
See the full FY2025 990 (4 parts)
Part VIII · Statement of revenue $287,856,559 across 6 lines filed
VIII-1h Total contributions, gifts and grants$0
VIII-2a-f Program service revenue, itemized rows (sum of 2a–2f as filed)Related to mission $284,012,031$284,012,031
VIII-3 Investment incomeExcluded from tax $3,778,688$3,778,688
VIII-7 Net gain or loss on sales of assetsExcluded from tax $65,840$65,840
VIII-8 Net income from fundraising events$0
VIII-12 Total revenueRelated to mission $284,012,031 · Unrelated business $0 · Excluded from tax $3,844,528$287,856,559
Part IX · Statement of functional expenses $305,546,303 across 21 lines filed
IX-1 Grants to domestic organizations$50,000
IX-4 Benefits paid to or for members$288,033,922
IX-5 Pay of current officers, directors and key staff$1,090,048
IX-7 Other salaries and wages$3,238,173
IX-8 Pension plan contributions$139,748
IX-9 Other employee benefits$387,377
IX-10 Payroll taxes$411,416
IX-11b Legal fees$122,366
IX-11c Accounting fees$302,571
IX-11f Investment management fees$185,135
IX-11g Other fees for services$6,633,669
IX-12 Advertising and promotion$782,260
IX-13 Office expenses$204,138
IX-14 Information technology$480,451
IX-16 Occupancy$143,249
IX-17 Travel$142,227
IX-19 Conferences, conventions and meetings$25,225
IX-22 Depreciation, depletion and amortization$307,144
IX-23 Insurance$459,855
IX-24 Other expenses (24a–d)$2,407,329
IX-24e All other expenses$0
IX-25 Total functional expenses$305,546,303
Part X · Balance sheet $159,760,531 assets, 22 lines filed
X-1 Cash, non-interest-bearingStart of year $0$0
X-2 Savings and temporary cash investmentsStart of year $36,264,806$72,708,757
X-3 Pledges and grants receivableStart of year $0$0
X-4 Accounts receivableStart of year $32,115,310$42,642,417
X-8 Inventories for sale or useStart of year $0$0
X-9 Prepaid expenses and deferred chargesStart of year $294,833$294,042
X-10c Land, buildings and equipment, netStart of year $2,419,137$2,332,545
X-11 Publicly traded securitiesStart of year $37,847,084$41,142,486
X-12 Other securitiesStart of year $377,922$344,160
X-15 Other assetsStart of year $140,584$296,124
X-16 Total assetsStart of year $109,459,676$159,760,531
X-17 Accounts payable and accrued expensesStart of year $2,151,940$3,404,820
X-18 Grants payableStart of year $0$0
X-19 Deferred revenueStart of year $0$0
X-20 Tax-exempt bond liabilitiesStart of year $0$0
X-24 Unsecured notes and loans payableStart of year $0$0
X-25 Other liabilitiesStart of year $76,051,911$119,722,767
X-26 Total liabilitiesStart of year $78,203,851$123,127,587
X-27 Net assets without donor restrictionsStart of year $31,255,825$36,632,944
X-28 Net assets with donor restrictionsStart of year $0$0
X-32 Total net assets or fund balancesStart of year $31,255,825$36,632,944
X-33 Total liabilities and net assetsStart of year $109,459,676$159,760,531
Part XI · Reconciliation of net assets $36,632,944 net assets at year end
XI-1 Total revenue$287,856,559
XI-2 Total expenses$305,546,303
XI-3 Revenue less expenses−$17,689,744
XI-4 Net assets at start of year$31,255,825
XI-5 Net unrealized gains (losses) on investments$3,361,690
XI-9 Other changes in net assets$19,705,173
XI-10 Net assets at end of year$36,632,944

Form 990 e-file (XML) FY2025 from the IRS · Classification, formation year and address from the IRS Business Master File

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