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Employer Identification Number 53-0200270

AMERICAN FOREIGN SERVICE PROTECTIVE ASSOCIATION is a USA domiciled entity or foreign entity operating in the USA. The EIN ihas been issued by the IRS

Company Name:AMERICAN FOREIGN SERVICE PROTECTIVE ASSOCIATION
Employer identification number (EIN):53-0200270
EIN Issuing AuthorityAustin, TX
NAIC Classification:525100
NAIC Description: Insurance and Employee Benefit Funds
401k Pension/Benefits registration AMERICAN FOREIGN SERVICE PROTECTIVE ASSOCIATION 401k plan information
Federal tax statusExempt from federal income tax. Registered as a non-profit under 501(c)(3) Title 26 of the United States Code
State of IncorporationDistrict of Columbia, DC

Organization Overview

Mission StatementAFSPA'S MISSION IS TO PROVIDE UNPARALLELED SERVICE THAT OUR UNIQUE, WORLDWIDE MEMBERSHIP REQUIRES, AFSPA MANAGES A COMPREHENSIVE SET OF HEALTH INSURANCE BENEFITS AND RELATED PROGRAMS PROMOTING THE WELFARE OF OUR MEMBERS WHO SUPPORT U.S. FOREIGN AFFAIRS AND RELATED MISSIONS.
Number of Employees89
Number of Volunteers9
Year Formed1951

Organization Governance

Legal DomicileDC
Voting Members - Governing Body9
Voting Members - Independent9

Organization Financials

2024-12-31
Total unrelated business incomeUSD $ 0
Net unrelated business incomeUSD $ 0
Program Service Revenue from prior yearUSD $ 601,978,492
Program Service Revenue from current yearUSD $ 686,216,834
Investment Income from prior yearUSD $ 374,689
Investment Income from current yearUSD $ 1,113,106
Other Revenue from prior yearUSD $ 20,000
Other Revenue from current yearUSD $ 20,000
Gross receipts from all sourcesUSD $ 690,540,182
Net assets / fund balances at end of fiscal yearUSD $ 116,341,968
Net assets / fund balances at beginning of fiscal yearUSD $ 113,370,390
Total liabilities at end of fiscal yearUSD $ 67,213,154
Total liabilities at beginning of fiscal yearUSD $ 64,341,243
Total assets at end of fiscal yearUSD $ 183,555,122
Total assets at beginning of fiscal yearUSD $ 177,711,633
Revenues less expenses for current yearUSD $ -54,592,702
Revenues less expenses for previous yearUSD $ -25,095,645
Total expenses for current yearUSD $ 741,942,642
Total expenses for previous yearUSD $ 627,468,826
Other expenses in current yearUSD $ 37,629,960
Other expenses in previous yearUSD $ 35,572,551
Total fundraising expenses in current yearUSD $ 0
Professional fundraising fees from current yearUSD $ 0
Professional fundraising fees from previous yearUSD $ 0
Employee salary and benefits paid in current yearUSD $ 11,168,264
Employee salary and benefits paid in previous yearUSD $ 9,722,206
Benefits paid to or for members in current yearUSD $ 693,144,418
Benefits paid to or for members in previous yearUSD $ 582,174,069
Grants and similar amounts paid in current yearUSD $ 0
Grants and similar amounts paid in previous yearUSD $ 0
Total revenue in current fiscal yearUSD $ 687,349,940
Total revenue in previous fiscal yearUSD $ 602,373,181
Contributions and grants from current yearUSD $ 0
Contributions and grants from previous yearUSD $ 0
Total of other revenueUSD $ 20,000
2023-12-31
Total unrelated business incomeUSD $ 0
Net unrelated business incomeUSD $ 0
Program Service Revenue from prior yearUSD $ 534,599,992
Program Service Revenue from current yearUSD $ 601,978,492
Investment Income from prior yearUSD $ 558,666
Investment Income from current yearUSD $ 374,689
Other Revenue from prior yearUSD $ 20,000
Other Revenue from current yearUSD $ 20,000
Gross receipts from all sourcesUSD $ 603,441,582
Net assets / fund balances at end of fiscal yearUSD $ 113,370,390
Net assets / fund balances at beginning of fiscal yearUSD $ 113,010,336
Total liabilities at end of fiscal yearUSD $ 64,341,243
Total liabilities at beginning of fiscal yearUSD $ 67,448,103
Total assets at end of fiscal yearUSD $ 177,711,633
Total assets at beginning of fiscal yearUSD $ 180,458,439
Revenues less expenses for current yearUSD $ -25,095,645
Revenues less expenses for previous yearUSD $ -11,200,317
Total expenses for current yearUSD $ 627,468,826
Total expenses for previous yearUSD $ 546,378,975
Other expenses in current yearUSD $ 35,572,551
Other expenses in previous yearUSD $ 18,744,554
Total fundraising expenses in current yearUSD $ 0
Professional fundraising fees from current yearUSD $ 0
Professional fundraising fees from previous yearUSD $ 0
Employee salary and benefits paid in current yearUSD $ 9,722,206
Employee salary and benefits paid in previous yearUSD $ 23,878,151
Benefits paid to or for members in current yearUSD $ 582,174,069
Benefits paid to or for members in previous yearUSD $ 503,756,270
Grants and similar amounts paid in current yearUSD $ 0
Grants and similar amounts paid in previous yearUSD $ 0
Total revenue in current fiscal yearUSD $ 602,373,181
Total revenue in previous fiscal yearUSD $ 535,178,658
Contributions and grants from current yearUSD $ 0
Contributions and grants from previous yearUSD $ 0
Total of other revenueUSD $ 20,000
2022-12-31
Total unrelated business incomeUSD $ 0
Net unrelated business incomeUSD $ 0
Program Service Revenue from prior yearUSD $ 487,568,718
Program Service Revenue from current yearUSD $ 534,599,992
Investment Income from prior yearUSD $ 598,282
Investment Income from current yearUSD $ 558,666
Other Revenue from prior yearUSD $ 20,000
Other Revenue from current yearUSD $ 20,000
Gross receipts from all sourcesUSD $ 536,523,871
Net assets / fund balances at end of fiscal yearUSD $ 113,010,336
Net assets / fund balances at beginning of fiscal yearUSD $ 87,956,311
Total liabilities at end of fiscal yearUSD $ 67,448,103
Total liabilities at beginning of fiscal yearUSD $ 56,252,661
Total assets at end of fiscal yearUSD $ 180,458,439
Total assets at beginning of fiscal yearUSD $ 144,208,972
Revenues less expenses for current yearUSD $ -11,200,317
Revenues less expenses for previous yearUSD $ -24,599,360
Total expenses for current yearUSD $ 546,378,975
Total expenses for previous yearUSD $ 512,786,360
Other expenses in current yearUSD $ 18,744,554
Other expenses in previous yearUSD $ 16,841,178
Total fundraising expenses in current yearUSD $ 0
Professional fundraising fees from current yearUSD $ 0
Professional fundraising fees from previous yearUSD $ 0
Employee salary and benefits paid in current yearUSD $ 23,878,151
Employee salary and benefits paid in previous yearUSD $ 21,958,001
Benefits paid to or for members in current yearUSD $ 503,756,270
Benefits paid to or for members in previous yearUSD $ 473,987,181
Grants and similar amounts paid in current yearUSD $ 0
Grants and similar amounts paid in previous yearUSD $ 0
Total revenue in current fiscal yearUSD $ 535,178,658
Total revenue in previous fiscal yearUSD $ 488,187,000
Contributions and grants from current yearUSD $ 0
Contributions and grants from previous yearUSD $ 0
Total of other revenueUSD $ 20,000
2021-12-31
Total unrelated business incomeUSD $ 0
Net unrelated business incomeUSD $ 0
Program Service Revenue from prior yearUSD $ 457,030,022
Program Service Revenue from current yearUSD $ 487,568,718
Investment Income from prior yearUSD $ 317,300
Investment Income from current yearUSD $ 598,282
Other Revenue from prior yearUSD $ 20,000
Other Revenue from current yearUSD $ 20,000
Gross receipts from all sourcesUSD $ 488,736,345
Net assets / fund balances at end of fiscal yearUSD $ 87,956,311
Net assets / fund balances at beginning of fiscal yearUSD $ 137,099,855
Total liabilities at end of fiscal yearUSD $ 56,252,661
Total liabilities at beginning of fiscal yearUSD $ 43,705,086
Total assets at end of fiscal yearUSD $ 144,208,972
Total assets at beginning of fiscal yearUSD $ 180,804,941
Revenues less expenses for current yearUSD $ -24,599,360
Revenues less expenses for previous yearUSD $ 39,971,424
Total expenses for current yearUSD $ 512,786,360
Total expenses for previous yearUSD $ 417,395,898
Other expenses in current yearUSD $ 16,841,178
Other expenses in previous yearUSD $ 17,161,169
Total fundraising expenses in current yearUSD $ 0
Professional fundraising fees from current yearUSD $ 0
Professional fundraising fees from previous yearUSD $ 0
Employee salary and benefits paid in current yearUSD $ 21,958,001
Employee salary and benefits paid in previous yearUSD $ 20,556,732
Benefits paid to or for members in current yearUSD $ 473,987,181
Benefits paid to or for members in previous yearUSD $ 379,677,997
Grants and similar amounts paid in current yearUSD $ 0
Grants and similar amounts paid in previous yearUSD $ 0
Total revenue in current fiscal yearUSD $ 488,187,000
Total revenue in previous fiscal yearUSD $ 457,367,322
Contributions and grants from current yearUSD $ 0
Contributions and grants from previous yearUSD $ 0
Total of other revenueUSD $ 20,000
2020-12-31
Total unrelated business incomeUSD $ 0
Net unrelated business incomeUSD $ 0
Program Service Revenue from prior yearUSD $ 419,419,096
Program Service Revenue from current yearUSD $ 457,030,022
Investment Income from prior yearUSD $ 249,135
Investment Income from current yearUSD $ 317,300
Other Revenue from prior yearUSD $ 20,000
Other Revenue from current yearUSD $ 20,000
Gross receipts from all sourcesUSD $ 460,098,504
Net assets / fund balances at end of fiscal yearUSD $ 137,099,855
Net assets / fund balances at beginning of fiscal yearUSD $ 95,330,409
Total liabilities at end of fiscal yearUSD $ 43,705,086
Total liabilities at beginning of fiscal yearUSD $ 47,756,623
Total assets at end of fiscal yearUSD $ 180,804,941
Total assets at beginning of fiscal yearUSD $ 143,087,032
Revenues less expenses for current yearUSD $ 39,971,424
Revenues less expenses for previous yearUSD $ 29,103,570
Total expenses for current yearUSD $ 417,395,898
Total expenses for previous yearUSD $ 390,584,661
Other expenses in current yearUSD $ 17,161,169
Other expenses in previous yearUSD $ 15,000,972
Total fundraising expenses in current yearUSD $ 0
Professional fundraising fees from current yearUSD $ 0
Professional fundraising fees from previous yearUSD $ 0
Employee salary and benefits paid in current yearUSD $ 20,556,732
Employee salary and benefits paid in previous yearUSD $ 20,336,067
Benefits paid to or for members in current yearUSD $ 379,677,997
Benefits paid to or for members in previous yearUSD $ 355,247,622
Grants and similar amounts paid in current yearUSD $ 0
Grants and similar amounts paid in previous yearUSD $ 0
Total revenue in current fiscal yearUSD $ 457,367,322
Total revenue in previous fiscal yearUSD $ 419,688,231
Contributions and grants from current yearUSD $ 0
Contributions and grants from previous yearUSD $ 0
Total of other revenueUSD $ 20,000
2019-12-31
Total unrelated business incomeUSD $ 0
Net unrelated business incomeUSD $ 0
Program Service Revenue from prior yearUSD $ 390,137,208
Program Service Revenue from current yearUSD $ 419,419,096
Investment Income from prior yearUSD $ 403,011
Investment Income from current yearUSD $ 249,135
Other Revenue from prior yearUSD $ 20,000
Other Revenue from current yearUSD $ 20,000
Gross receipts from all sourcesUSD $ 420,786,188
Net assets / fund balances at end of fiscal yearUSD $ 95,330,409
Net assets / fund balances at beginning of fiscal yearUSD $ 76,885,693
Total liabilities at end of fiscal yearUSD $ 47,756,623
Total liabilities at beginning of fiscal yearUSD $ 65,073,170
Total assets at end of fiscal yearUSD $ 143,087,032
Total assets at beginning of fiscal yearUSD $ 141,958,863
Revenues less expenses for current yearUSD $ 29,103,570
Revenues less expenses for previous yearUSD $ 21,576,519
Total expenses for current yearUSD $ 390,584,661
Total expenses for previous yearUSD $ 368,983,700
Other expenses in current yearUSD $ 15,000,972
Other expenses in previous yearUSD $ 15,304,352
Total fundraising expenses in current yearUSD $ 0
Professional fundraising fees from current yearUSD $ 0
Professional fundraising fees from previous yearUSD $ 0
Employee salary and benefits paid in current yearUSD $ 20,336,067
Employee salary and benefits paid in previous yearUSD $ 18,186,215
Benefits paid to or for members in current yearUSD $ 355,247,622
Benefits paid to or for members in previous yearUSD $ 335,493,133
Grants and similar amounts paid in current yearUSD $ 0
Grants and similar amounts paid in previous yearUSD $ 0
Total revenue in current fiscal yearUSD $ 419,688,231
Total revenue in previous fiscal yearUSD $ 390,560,219
Contributions and grants from current yearUSD $ 0
Contributions and grants from previous yearUSD $ 0
Total of other revenueUSD $ 20,000
2018-12-31
Total unrelated business incomeUSD $ 0
Net unrelated business incomeUSD $ 137,716
Program Service Revenue from prior yearUSD $ 352,906,422
Program Service Revenue from current yearUSD $ 390,137,208
Investment Income from prior yearUSD $ 306,608
Investment Income from current yearUSD $ 403,011
Other Revenue from prior yearUSD $ 20,060
Other Revenue from current yearUSD $ 20,000
Gross receipts from all sourcesUSD $ 391,215,576
Net assets / fund balances at end of fiscal yearUSD $ 76,885,693
Net assets / fund balances at beginning of fiscal yearUSD $ 61,817,438
Total liabilities at end of fiscal yearUSD $ 65,073,170
Total liabilities at beginning of fiscal yearUSD $ 61,059,116
Total assets at end of fiscal yearUSD $ 141,958,863
Total assets at beginning of fiscal yearUSD $ 122,876,554
Revenues less expenses for current yearUSD $ 21,576,519
Revenues less expenses for previous yearUSD $ 14,065,773
Total expenses for current yearUSD $ 368,983,700
Total expenses for previous yearUSD $ 339,167,317
Other expenses in current yearUSD $ 15,304,352
Other expenses in previous yearUSD $ 14,637,793
Total fundraising expenses in current yearUSD $ 0
Professional fundraising fees from current yearUSD $ 0
Professional fundraising fees from previous yearUSD $ 0
Employee salary and benefits paid in current yearUSD $ 18,186,215
Employee salary and benefits paid in previous yearUSD $ 14,510,434
Benefits paid to or for members in current yearUSD $ 335,493,133
Benefits paid to or for members in previous yearUSD $ 310,019,090
Grants and similar amounts paid in current yearUSD $ 0
Grants and similar amounts paid in previous yearUSD $ 0
Total revenue in current fiscal yearUSD $ 390,560,219
Total revenue in previous fiscal yearUSD $ 353,233,090
Contributions and grants from current yearUSD $ 0
Contributions and grants from previous yearUSD $ 0
Total of other revenueUSD $ 20,000
2017-12-31
Total unrelated business incomeUSD $ 0
Net unrelated business incomeUSD $ 0
Program Service Revenue from prior yearUSD $ 322,533,746
Program Service Revenue from current yearUSD $ 352,906,422
Investment Income from prior yearUSD $ 1,362,114
Investment Income from current yearUSD $ 306,608
Other Revenue from prior yearUSD $ 266,353
Other Revenue from current yearUSD $ 20,060
Gross receipts from all sourcesUSD $ 353,985,057
Net assets / fund balances at end of fiscal yearUSD $ 61,817,438
Net assets / fund balances at beginning of fiscal yearUSD $ 73,105,302
Total liabilities at end of fiscal yearUSD $ 61,059,116
Total liabilities at beginning of fiscal yearUSD $ 50,342,906
Total assets at end of fiscal yearUSD $ 122,876,554
Total assets at beginning of fiscal yearUSD $ 123,448,208
Revenues less expenses for current yearUSD $ 14,065,773
Revenues less expenses for previous yearUSD $ 31,390,814
Total expenses for current yearUSD $ 339,167,317
Total expenses for previous yearUSD $ 292,771,399
Other expenses in current yearUSD $ 14,637,793
Other expenses in previous yearUSD $ 13,527,922
Total fundraising expenses in current yearUSD $ 0
Professional fundraising fees from current yearUSD $ 0
Professional fundraising fees from previous yearUSD $ 0
Employee salary and benefits paid in current yearUSD $ 14,510,434
Employee salary and benefits paid in previous yearUSD $ 12,342,061
Benefits paid to or for members in current yearUSD $ 310,019,090
Benefits paid to or for members in previous yearUSD $ 266,901,416
Grants and similar amounts paid in current yearUSD $ 0
Grants and similar amounts paid in previous yearUSD $ 0
Total revenue in current fiscal yearUSD $ 353,233,090
Total revenue in previous fiscal yearUSD $ 324,162,213
Contributions and grants from current yearUSD $ 0
Contributions and grants from previous yearUSD $ 0
Total of other revenueUSD $ 20,060
2016-12-31
Total unrelated business incomeUSD $ 0
Net unrelated business incomeUSD $ 0
Program Service Revenue from prior yearUSD $ 280,745,949
Program Service Revenue from current yearUSD $ 322,533,746
Investment Income from prior yearUSD $ 20,034
Investment Income from current yearUSD $ 1,362,114
Other Revenue from prior yearUSD $ 20,000
Other Revenue from current yearUSD $ 266,353
Gross receipts from all sourcesUSD $ 328,344,965
Net assets / fund balances at end of fiscal yearUSD $ 73,105,302
Net assets / fund balances at beginning of fiscal yearUSD $ 58,275,194
Total liabilities at end of fiscal yearUSD $ 50,342,906
Total liabilities at beginning of fiscal yearUSD $ 45,509,941
Total assets at end of fiscal yearUSD $ 123,448,208
Total assets at beginning of fiscal yearUSD $ 103,785,135
Revenues less expenses for current yearUSD $ 31,390,814
Revenues less expenses for previous yearUSD $ 13,199,786
Total expenses for current yearUSD $ 292,771,399
Total expenses for previous yearUSD $ 267,586,197
Other expenses in current yearUSD $ 13,527,922
Other expenses in previous yearUSD $ 11,917,790
Total fundraising expenses in current yearUSD $ 0
Professional fundraising fees from current yearUSD $ 0
Professional fundraising fees from previous yearUSD $ 0
Employee salary and benefits paid in current yearUSD $ 12,342,061
Employee salary and benefits paid in previous yearUSD $ 10,833,621
Benefits paid to or for members in current yearUSD $ 266,901,416
Benefits paid to or for members in previous yearUSD $ 244,834,786
Grants and similar amounts paid in current yearUSD $ 0
Grants and similar amounts paid in previous yearUSD $ 0
Total revenue in current fiscal yearUSD $ 324,162,213
Total revenue in previous fiscal yearUSD $ 280,785,983
Contributions and grants from current yearUSD $ 0
Contributions and grants from previous yearUSD $ 0
Total of other revenueUSD $ 266,353
2015-12-31
Total unrelated business incomeUSD $ 0
Net unrelated business incomeUSD $ 0
Program Service Revenue from prior yearUSD $ 250,384,847
Program Service Revenue from current yearUSD $ 280,745,949
Investment Income from prior yearUSD $ 45,398
Investment Income from current yearUSD $ 20,034
Other Revenue from prior yearUSD $ 20,729
Other Revenue from current yearUSD $ 20,000
Gross receipts from all sourcesUSD $ 280,985,927
Net assets / fund balances at end of fiscal yearUSD $ 58,275,194
Net assets / fund balances at beginning of fiscal yearUSD $ 25,429,571
Total liabilities at end of fiscal yearUSD $ 45,509,941
Total liabilities at beginning of fiscal yearUSD $ 38,289,675
Total assets at end of fiscal yearUSD $ 103,785,135
Total assets at beginning of fiscal yearUSD $ 63,719,246
Revenues less expenses for current yearUSD $ 13,199,786
Revenues less expenses for previous yearUSD $ -14,996,509
Total expenses for current yearUSD $ 267,586,197
Total expenses for previous yearUSD $ 265,447,483
Other expenses in current yearUSD $ 11,917,790
Other expenses in previous yearUSD $ 12,234,487
Total fundraising expenses in current yearUSD $ 0
Professional fundraising fees from current yearUSD $ 0
Professional fundraising fees from previous yearUSD $ 0
Employee salary and benefits paid in current yearUSD $ 10,833,621
Employee salary and benefits paid in previous yearUSD $ 9,940,460
Benefits paid to or for members in current yearUSD $ 244,834,786
Benefits paid to or for members in previous yearUSD $ 243,272,536
Grants and similar amounts paid in current yearUSD $ 0
Grants and similar amounts paid in previous yearUSD $ 0
Total revenue in current fiscal yearUSD $ 280,785,983
Total revenue in previous fiscal yearUSD $ 250,450,974
Contributions and grants from current yearUSD $ 0
Contributions and grants from previous yearUSD $ 0
Total of other revenueUSD $ 20,000
2014-12-31
Total unrelated business incomeUSD $ 0
Net unrelated business incomeUSD $ 0
Program Service Revenue from prior yearUSD $ 8,957,893
Program Service Revenue from current yearUSD $ 250,384,847
Investment Income from prior yearUSD $ 55,508
Investment Income from current yearUSD $ 45,398
Other Revenue from prior yearUSD $ 20,000
Other Revenue from current yearUSD $ 20,729
Gross receipts from all sourcesUSD $ 250,750,788
Net assets / fund balances at end of fiscal yearUSD $ 25,429,571
Net assets / fund balances at beginning of fiscal yearUSD $ 3,728,184
Total liabilities at end of fiscal yearUSD $ 38,289,675
Total liabilities at beginning of fiscal yearUSD $ 2,243,519
Total assets at end of fiscal yearUSD $ 63,719,246
Total assets at beginning of fiscal yearUSD $ 5,971,703
Revenues less expenses for current yearUSD $ -14,996,509
Revenues less expenses for previous yearUSD $ 111,010
Total expenses for current yearUSD $ 265,447,483
Total expenses for previous yearUSD $ 8,922,391
Other expenses in current yearUSD $ 12,234,487
Other expenses in previous yearUSD $ 2,488,615
Total fundraising expenses in current yearUSD $ 0
Professional fundraising fees from current yearUSD $ 0
Professional fundraising fees from previous yearUSD $ 0
Employee salary and benefits paid in current yearUSD $ 9,940,460
Employee salary and benefits paid in previous yearUSD $ 4,267,096
Benefits paid to or for members in current yearUSD $ 243,272,536
Benefits paid to or for members in previous yearUSD $ 2,166,680
Grants and similar amounts paid in current yearUSD $ 0
Grants and similar amounts paid in previous yearUSD $ 0
Total revenue in current fiscal yearUSD $ 250,450,974
Total revenue in previous fiscal yearUSD $ 9,033,401
Contributions and grants from current yearUSD $ 0
Contributions and grants from previous yearUSD $ 0
Total of other revenueUSD $ 20,729

Other Company Names associated with EIN

AMERICAN FOREIGN SERVICE

Organization Addresses

The following addresses have been detected as associated with Tax Indentification Number 530200270

USA Mailing Address
1620 L STREET N.W.
SUITE 800
WASHINGTON
DC
20036
Date first seen: 2007-01-01
Date last seen: 2026-02-25
USA Location Address
1620 L STREET NW
STE 800
WASHINGTON
DC
200365629
Date first seen: 2016-07-11
Date last seen: 2021-04-23
USA Location Address
1716 N ST NW
WASHINGTON
DC
200362907
Date first seen: 2012-07-19
Date last seen: 2015-08-31
USA Location Address
1716 N STREET, N.W.
WASHINGTON
DC
20036
Date first seen: 2007-01-01
Date last seen: 2025-09-30
USA Location Address
1600 MARYLAND AVE NE APT 348W
WASHINGTON
DC
20002
Date first seen: 2007-01-01
Date last seen: 2025-08-31
401k Sponsor USA Address
1620 L STREET NW, SUITE 800
WASHINGTON
DC
20036
Date first seen: 2007-01-01
Date last seen: 2024-10-15
401k Sponsor USA Address
1620 L ST. NW SUITE 800
WASHINGTON
DC
20036
Date first seen: 2025-10-02
Date last seen: 2025-10-02

Nearby companies/organizations

The following companies are located in the same ZIP code areas:

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