Uniformed Services Benefit Association

Nonprofit profile at a glance

EIN
431912641
IRS 990 coverage
2010–2024
Official website data refreshed
Sep 2026
Forms available
Form 990 2024
Location
Overland Park, KS, USA
Phone
877-297-9235
Rating confidence
Limited
Sector
Voluntary Employees Beneficiary Associations (Government)

Official website

Reported finances

Revenue
$5,520,962
Expenses
$5,011,841
Assets
$9,786,179
Liabilities
$4,804,409

Source: IRS Form 990. Selected filing: tax year 2024. Amounts in USD.

Leadership & pay

10 people listed

Executive titles in this filing

  • CONSTANCE R MARKOVICH (PRESIDENT AND CEO)
  • RHONDA L BUTLER (VICE PRESIDENT AND COO)
  • VERNON L BRANSON (VICE PRESIDENT, INFO TECH)
  • VICTORIA S DIAMOND (VICE PRESIDENT AND CFO)

Highest reported compensation

  • RHONDA L BUTLER (VICE PRESIDENT AND COO): $353,288 total reported compensation
  • CONSTANCE R MARKOVICH (PRESIDENT AND CEO): $323,930 total reported compensation
  • VICTORIA S DIAMOND (VICE PRESIDENT AND CFO): $211,740 total reported compensation

Source: IRS Form 990. Selected filing: tax year 2024. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

USBA is a nonprofit association that provides group life insurance, health insurance supplements, and other products and services to military personnel, Federal employees, National Guard and Reserve members, Veterans and their families with the highest ethical standards of conduct and service.

What it reported doing in 2024

Provided over 47,000 customers with $2.43+ billion in life, accidental death, accident protection, hospital indemnity insurance, supplemental health coverage & other services.

Operating model

Revenue model
Other-operating. 93% of the money available for current operations came from other operating revenue.
Distribution model
Cannot be determined from the filing. The filing does not provide enough consistent spending detail to tell whether the nonprofit works directly or through others.

The verdict

- The available evidence is not sufficient to produce an overall rating for this filing. This is not a warning sign.

Rating breakdown

  • Financial Efficiency: NotEnoughData
  • Transparency & Controls: 87
  • Accountability: 84
  • Sustainability: 50
  • Growth: 0

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: Limited
  • Program expense ratio: Limited
  • Fundraising efficiency: Limited

Transparency & Controls

  • Consistency checks: 88.9%; rating input score 89; 3rd percentile among comparable filings
  • Pay-setting controls: 5 of 6 controls in place; rating input score 83
    • Compensation committee: Missing
    • Independent consultant: Pass
    • Other Form 990s reviewed: Pass
    • Written employment contract: Pass
    • Compensation survey or study: Pass
    • Board or committee approval: Pass
  • Foreign activity oversight: Limited
  • Grant itemization coverage: Limited
  • Major donor itemization: Limited
  • Related-party transparency: Limited

Accountability

  • Independent voting board: 80%; rating input score 80; 14th percentile among comparable filings
  • Governance controls: 8 of 9 controls in place; rating input score 89
    • Conflict-of-interest policy: Pass
    • Whistleblower policy: Fail
    • Document-retention policy: Pass
    • CEO compensation review process: Pass
    • Other executive compensation review process: Pass
    • Form 990 shared with the board: Pass
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Pass
    • Independent financial-statement audit: Pass

Sustainability

  • Operating margin: 9.2%; rating input score 61; 61st percentile among comparable filings
  • Total-asset coverage ratio: 1.95; rating input score 61; 61st percentile among comparable filings
  • Liabilities to assets ratio: 0.49; rating input score 21; 21st percentile among comparable filings
  • Officer compensation ratio: 26.1%; rating input score 7; 7th percentile among comparable filings

Growth

  • Program expense growth: Limited
  • Revenue growth: -15% per year; rating input score 0; 1st percentile among comparable filings
  • Asset growth: -8.2% per year; rating input score 0; 2nd percentile among comparable filings

Details

  • What they do: 4 programs and campaigns described on the official site
  • Where the money goes: Financial trends and filed revenue, expense, asset, and liability detail
  • Governance: 4 of 5 board members independent · 8 of 9 filing controls reported
  • Programs: 1 filed program accomplishment
  • Leadership: top reported pay $353K · 10 people listed · 5 of 6 pay-setting controls reported
  • Highest-paid contractors: 4 contractors listed · $1.1M reported
  • Consistency: 10 of 11 current checks pass · 1 finding to review
  • Schedules: 4 filed schedules · includes executive pay
  • Filing history: 15 filing years from 2010 to 2024
  • Contacts: How to reach this organization
  • Money network: 10 filed money-flow records
  • Related organizations: 2 filed related-organization links
  • Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
  • People: Everyone the filings name, and which of them the filings identify by more than a name.
  • Staff and benefit plans: Retirement and health plans the organization files with the Department of Labor, and the people in them.

Key Signals

Signals prioritize questions for review. They are not findings of misconduct.

  • High — Growth: Revenue growth scored 0/100.
  • Review — Transparency & Controls: Schedule R controlled transactions itemized did not reconcile in the filed values.
  • High — Growth: Asset growth scored 0/100.
  • Review — Accountability: Governance controls: Whistleblower policy not reported.
  • High — Sustainability: Officer compensation ratio scored 7/100.
  • High — Sustainability: Liabilities to assets ratio scored 21/100.