Civic Intelligence

Benevolent Telephone Death Benefit

EIN 04-2480299 • 501(c)9 • Andover, MA

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Profile

A massachusetts corporation that engages in the payment of death benefits to the remaining members of the now decertified international brotherhood of telephone workers.

38 Essex StreetAndover, MA 01810

n/A

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

32nd percentile

0.00x

Higher debt load relative to assets than 32% of similar nonprofits.

501(c)9 • $5M-$10M nonprofits • Source year 2024

Liabilities / Revenue

42nd percentile

0.00x

Higher debt load relative to revenue than 42% of similar nonprofits.

501(c)9 • $5M-$10M nonprofits • Source year 2024

Net Margin

11th percentile

-41%

Higher net margin than 11% of similar nonprofits.

501(c)9 • $5M-$10M nonprofits • Source year 2024

Top Officer Pay

51st percentile

$0

Higher top officer pay than 51% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

501(c)9 • $5M-$10M nonprofits • Source year 2024

Asset Growth

30th percentile

-2.4%

Faster asset growth than 30% of similar nonprofits.

501(c)9 • $5M-$10M nonprofits • Annualized from 2023 to 2024

Revenue Growth

94th percentile

105%

Faster revenue growth than 94% of similar nonprofits.

501(c)9 • $5M-$10M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets32nd percentile

Assets

Down

$5,716,235

Down $138,993 (-2.4%) from 2023

Liabilities

Up

$1,300

Up $1,300 from 2023

Net Assets

Down

$5,714,935

Down $140,293 (-2.4%) from 2023

Operations
Liabilities / Revenue42nd percentileNet Margin11th percentile

Revenue

Up

$512,523

Up $262,435 (+105%) from 2023

Expenses

Up

$724,790

Up $60,340 (+9.1%) from 2023

Net Income

Up

-$212,267

Up $202,095 (+49%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth30th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$8.0M$6.0M$4.0M$2.0M$0Assets 2010: $5,690,604Liabilities 2010: $31,830Net Assets 2010: $5,658,7742010Assets 2011: $5,413,382Liabilities 2011: $28,953Net Assets 2011: $5,384,4292011Assets 2012: $5,354,698Liabilities 2012: $38,188Net Assets 2012: $5,316,5102012Assets 2013: $6,336,034Liabilities 2013: $26,426Net Assets 2013: $6,309,6082013Assets 2014: $6,443,989Liabilities 2014: $32,132Net Assets 2014: $6,411,8572014Assets 2015: $5,342,433Liabilities 2015: $135Net Assets 2015: $5,342,2982015Assets 2016: $5,843,059Liabilities 2016: $18Net Assets 2016: $5,843,0412016Assets 2017: $6,378,633Liabilities 2017: $0Net Assets 2017: $6,378,6332017Assets 2018: $5,314,584Liabilities 2018: $0Net Assets 2018: $5,314,5842018Assets 2019: $5,859,376Liabilities 2019: $0Net Assets 2019: $5,859,3762019Assets 2020: $5,730,854Liabilities 2020: $0Net Assets 2020: $5,730,8542020Assets 2021: $6,644,325Liabilities 2021: $1,700Net Assets 2021: $6,642,6252021Assets 2022: $5,858,035Liabilities 2022: $1,700Net Assets 2022: $5,856,3352022Assets 2023: $5,855,228Liabilities 2023: $0Net Assets 2023: $5,855,2282023Assets 2024: $5,716,235Liabilities 2024: $1,300Net Assets 2024: $5,714,9352024

Highlighted filing

2024

Assets$5,716,235
Liabilities$1,300
Net Assets$5,714,935
Open 2024 Filing

Operations Trend

Revenue Growth94th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$2.0M$1.5M$1.0M$500K$0-$500KExpenses 2010: $541,5042010Revenue 2011: $284,382Expenses 2011: $558,008Net Income 2011: -$273,6262011Revenue 2012: $444,005Expenses 2012: $511,924Net Income 2012: -$67,9192012Revenue 2013: $1,509,411Expenses 2013: $516,313Net Income 2013: $993,0982013Revenue 2014: $648,109Expenses 2014: $545,860Net Income 2014: $102,2492014Revenue 2015: $472,501Expenses 2015: $504,859Net Income 2015: -$32,3582015Revenue 2016: $354,115Expenses 2016: $532,821Net Income 2016: -$178,7062016Revenue 2017: $550,725Expenses 2017: $600,894Net Income 2017: -$50,1692017Revenue 2018: $300,426Expenses 2018: $590,135Net Income 2018: -$289,7092018Revenue 2019: $555,847Expenses 2019: $575,100Net Income 2019: -$19,2532019Revenue 2020: $216,219Expenses 2020: $546,529Net Income 2020: -$330,3102020Revenue 2021: $535,255Expenses 2021: $646,200Net Income 2021: -$110,9452021Revenue 2022: $490,193Expenses 2022: $654,139Net Income 2022: -$163,9462022Revenue 2023: $250,088Expenses 2023: $664,450Net Income 2023: -$414,3622023Revenue 2024: $512,523Expenses 2024: $724,790Net Income 2024: -$212,2672024

Highlighted filing

2024

Revenue$512,523
Expenses$724,790
Net Income-$212,267
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$5,716,235
Liabilities
$1,300
Net assets
$5,714,935
Revenue
$512,523
Expenses
$724,790
Net income
-$212,267
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$5.72$0.00$5.71$0.51$0.72$0.21
2023Detailed filing. Detailed filing data is available for this year.$5.86$0.00$5.86$0.25$0.66$0.41
2022Detailed filing. Detailed filing data is available for this year.$5.86$0.00$5.86$0.49$0.65$0.16
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$6.64$0.00$6.64$0.54$0.65$0.11
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.73$0.00$5.73$0.22$0.55$0.33
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5.86$0.00$5.86$0.56$0.58$0.02
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.31$0.00$5.31$0.30$0.59$0.29
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$6.38$0.00$6.38$0.55$0.60$0.05
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.84$0.00$5.84$0.35$0.53$0.18
2015Detailed filing. Detailed filing data is available for this year.$5.34$0.00$5.34$0.47$0.50$0.03
2014Detailed filing. Detailed filing data is available for this year.$6.44$0.03$6.41$0.65$0.55$0.10
2013Summary only. Only limited summary data is available for this year.$6.34$0.03$6.31$1.51$0.52$0.99
2012Summary only. Only limited summary data is available for this year.$5.35$0.04$5.32$0.44$0.51$0.07
2011Summary only. Only limited summary data is available for this year.$5.41$0.03$5.38$0.28$0.56$0.27
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.69$0.03$5.66$0.54
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Mar 14, 2025
Return Version
2024v5.0
Gross Receipts
$1,424,715
Mission and Program Overview

Mission

Life insurance for members of international brotherhood of telephone workers in good standing when the union closed.

A massachusetts corporation that engages in the payment of death benefits to the remaining members of the now decertified international brotherhood of telephone workers.

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$5,855,228$5,714,935▼ $140,293
Investments in Publicly Traded Securities$5,717,983$5,417,364▼ $300,619
Savings and Temporary Cash Investments$125,051$245,983▲ $120,932
Cash and Non-Interest-Bearing Accounts$12,194$49,888▲ $37,694
Prepaid Expenses and Deferred Charges-$3,000-
Total Assets$5,855,228$5,716,235▼ $138,993
Liabilities
Other Liabilities-$1,300-
Total Liabilities$0$1,300▲ $1,300
Net Assets / Fund Balance
Total Net Assets Fund Balance$5,855,228$5,714,935▼ $140,293
Total Liabilities and Net Assets / Fund Balance$5,855,228$5,716,235▼ $138,993
Compensation and Service Providers
Top Officer Pay51st percentile

Board Members and Trustees

NameTitle
Paul a ChrzanPresident/tr
David DriscollTrustee
David E Paul JrTrustee
Ernest SuleTrustee
John EatonTrustee
John J HardmanTrustee
Louis LarochelleTrustee
Ronald S HighTrustee

Highest Paid Contractors

ContractorServicesLocationCompensation
Andover Administrative Services INCAdministrator38 ESSEX STREET, Andover, MA 01810$125,095
Ubs Financial ServicesInvestment Advi38 ESSEX STREET, Andover, MA 01810$119,184
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$0
Investment Income
$512,523
Other Revenue
$0
Change in Net Assets
$-212,267

Audited Revenue Reconciliation

Revenue per Audited Statements
$512,523
Revenue Not Reported on Form 990
$71,974
Total Revenue per Audited Statements
$584,497
Total Revenue per Form 990
$512,523
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$275,990
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members$448,800--$448,800
Fees for Services Management$120,000--$120,000
Fees for Service Investment Mgmnt Fees$119,184--$119,184
Fees for Services Other$12,575--$12,575
Fees for Services Accounting$12,000--$12,000
Fees for Services Legal$12,000--$12,000
Office Expenses$231--$231
Total Functional Expenses$724,790$0$0$724,790

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$724,790
Total Expenses per Audited Statements$724,790
Total Expenses per Form 990$724,790
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Payable to State$1,300
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Audit committee
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 7A

“The individual members of the board of directors of the fund have the power to elect or to appoint one or more members of the governing body.”

Form 990, Page 6, Part VI, Line 11B

“A copy of the form 990 is available for review at the general office of the fund. Copies of the return, governing documents and financial statements are also available to the public at the main office.”

Form 990, Page 6, Part VI, Line 19

“A copy of the form 990 is available for review at the general office of the fund. Copies of the return, governing documents and financial statements are also available to the public at the main office.”

Filing and Contact Details

Filer

Filer Name
Benevolent Telephone Death Benefit
EIN
04-2480299
Phone
9784756570
Address
38 ESSEX STREET, ANDOVER, MA 01810

Signing Officer

Name
Paul a Chrzan
Title
President/treasurer
Phone
9784756570
Signed
2025-03-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Paul a Chrzan
Formed
1970
Legal Domicile
Ma
Voting Board Members
8
Independent Board Members
8
Employees
0

Preparer

Firm
Anstiss & Co Pc
Address
6 OMNI WAY STE 201, CHELMSFORD, MA 01824-4187
Preparer
Richard B Dionne
Phone
9784522500
Supplemental Narrative

Financial Statement Notes

Schedule D, Page 3, Part X

“U.s gaap requires fund management to evaluate tax positions taken by the fund and recognize a tax liability (or asset) if the fund has taken an uncertain position that more likely than not would not be sustained upon examination by the irs. The fund is subject to routine audits by taxing jurisdictions; however, there are currently no audits for any tax periods in progress. The fund administrator believes it is no longer subject to income tax examination for years prior to 2022.”

Raw XML Appendix315 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
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IRS990/ActivitiesConductedPrtshpInd0false
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IRS990/BenefitsToMembersGrp/TotalAmt0448800
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IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/ContractorCompensationGrp/CompensationAmt0125095
IRS990/ContractorCompensationGrp/CompensationAmt1119184
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IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt138 ESSEX STREET
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IRS990/CYSalariesCompEmpBnftPaidAmt00
IRS990/CYTotalExpensesAmt0724790
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IRS990/CYTotalRevenueAmt0512523
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
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IRS990/DescribedInSection501c3Ind0false
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IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt012000
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IRS990/FeesForServicesLegalGrp/ProgramServicesAmt012000
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IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form1098CFiledInd0false
IRS990/Form8282PropertyDisposedOfInd0false
IRS990/Form8899Filedind0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
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IRS990/Form990PartVIISectionAGrp/PersonNm4ERNEST SULE
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IRS990/Form990PartVIISectionAGrp/TitleTxt4TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt5PRESIDENT/TR
IRS990/Form990PartVIISectionAGrp/TitleTxt6TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt7TRUSTEE
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IRS990/PYInvestmentIncomeAmt0250088
IRS990/PYOtherExpensesAmt0267050
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IRS990ScheduleD/FootnoteTextInd0X
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0PAYABLE TO STATE
IRS990ScheduleD/RevenueNotReportedAmt071974
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IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0U.S GAAP REQUIRES FUND MANAGEMENT TO EVALUATE TAX POSITIONS TAKEN BY THE FUND AND RECOGNIZE A TAX LIABILITY (OR ASSET) IF THE FUND HAS TAKEN AN UNCERTAIN POSITION THAT MORE LIKELY THAN NOT WOULD NOT BE SUSTAINED UPON EXAMINATION BY THE IRS. THE FUND IS SUBJECT TO ROUTINE AUDITS BY TAXING JURISDICTIONS; HOWEVER, THERE ARE CURRENTLY NO AUDITS FOR ANY TAX PERIODS IN PROGRESS. THE FUND ADMINISTRATOR BELIEVES IT IS NO LONGER SUBJECT TO INCOME TAX EXAMINATION FOR YEARS PRIOR TO 2022.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 3, PART X
IRS990ScheduleD/TotalExpensesPerForm990Amt0724790
IRS990ScheduleD/TotalLiabilityAmt01300
IRS990ScheduleD/TotalRevenuePerForm990Amt0512523
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt0584497
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt0724790
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE INDIVIDUAL MEMBERS OF THE BOARD OF DIRECTORS OF THE FUND HAVE THE POWER TO ELECT OR TO APPOINT ONE OR MORE MEMBERS OF THE GOVERNING BODY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1A COPY OF THE FORM 990 IS AVAILABLE FOR REVIEW AT THE GENERAL OFFICE OF THE FUND. COPIES OF THE RETURN, GOVERNING DOCUMENTS AND FINANCIAL STATEMENTS ARE ALSO AVAILABLE TO THE PUBLIC AT THE MAIN OFFICE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2A COPY OF THE FORM 990 IS AVAILABLE FOR REVIEW AT THE GENERAL OFFICE OF THE FUND. COPIES OF THE RETURN, GOVERNING DOCUMENTS AND FINANCIAL STATEMENTS ARE ALSO AVAILABLE TO THE PUBLIC AT THE MAIN OFFICE.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 19
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IRS990/TotalFunctionalExpensesGrp/TotalAmt0724790
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesEOYAmt01300
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IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt05714935
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0512523
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0512523
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IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt05716235
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/USAddress/AddressLine1Txt015 DALE STREET
IRS990/USAddress/CityNm0LUDLOW
IRS990/USAddress/StateAbbreviationCd0MA
IRS990/USAddress/ZIPCd001056
IRS990/VotingMembersGoverningBodyCnt08
IRS990/VotingMembersIndependentCnt08
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0PAUL A CHRZAN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT/TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum09784756570
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-03-14
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0BENEVOLENT TELEPHONE DEATH BENEFIT
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0FUND INC
ReturnHeader/Filer/BusinessNameControlTxt0BENE
ReturnHeader/Filer/EIN0042480299
ReturnHeader/Filer/PhoneNum09784756570
ReturnHeader/Filer/USAddress/AddressLine1Txt038 ESSEX STREET
ReturnHeader/Filer/USAddress/CityNm0ANDOVER
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MA
ReturnHeader/Filer/USAddress/ZIPCd001810
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0false
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0042917204
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0ANSTISS & CO PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt06 OMNI WAY STE 201
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0CHELMSFORD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0018244187
ReturnHeader/PreparerPersonGrp/PhoneNum09784522500
ReturnHeader/PreparerPersonGrp/PreparationDt02025-03-14
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0RICHARD B DIONNE
ReturnHeader/ReturnTs02025-03-14T17:30:04-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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