Liabilities / Assets
67th percentile
Tied with the lowest-debt nonprofits in its peer group.
Employee Contribution Veba Trust Northwood
EIN 04-3852107 • 501(c)9 • Clinton, IA
Profile
Health benefits and insurance premiums paid to members
Siviq Scores
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
0.00x
Liabilities / Revenue
80th percentile
Tied with the lowest-debt nonprofits in its peer group.
Net Margin
90th percentile
Higher net margin than 90% of similar nonprofits.
Top Officer Pay
80th percentile
Higher top officer pay than 80% of similar nonprofits.
Top officer pay equals 1.4% of source-year revenue.
Asset Growth
89th percentile
Faster asset growth than 89% of similar nonprofits.
Revenue Growth
95th percentile
Faster revenue growth than 95% of similar nonprofits.
Balance Sheet
Assets
Up$138,056
Up $14,372 (+12%) from 2023
Liabilities
Flat$0
Flat from 2023
Net Assets
Up$138,056
Up $14,372 (+12%) from 2023
Revenue
Up$53,558
Up $29,177 (+120%) from 2023
Expenses
Down$22,958
Down $873 (-3.7%) from 2023
Net Income
Up$30,600
Up $30,050 (+5464%) from 2023
Trend Graphs
Filings
Most recent year
2024 • Form 990EZDetailed filing. Detailed filing data is available for this year.
- Assets
- $138,056
- Liabilities
- $0
- Net assets
- $138,056
- Revenue
- $53,558
- Expenses
- $22,958
- Net income
- $30,600
Latest Filing Detail
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2024 to Dec 31, 2024
- Signed
- Sep 15, 2025
- Return Version
- 2024v5.2
- Gross Receipts
- $199,709
Mission and Program Overview
Mission
To provide retiree health benefits to the employer's former employees and their spouses and dependents, although other benefits may be provided as described in the plan document.
The trust has been established to provide active and former employees with health reimbursement benefits as set forth in the related plan and to provide payment for health expenses as permitted by section 501(c)(9) of the internal revenue code.
Program Services
| Description | Grants | Expenses |
|---|---|---|
| ALL EXPENSES INCURRED HAVE BEEN APPLIED IN ACCORDANCE WITH THE STATED MISSION FOR ACTIVE AND FORMER EMPLOYEES, AND TO DEFRAY THE COST OF ADMINISTERING THE PLAN. | $0 | $0 |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| TIAA TRUST NA | Trustee | - | $0 | $750 | $750 |
| ALTA TRUST | Trustee | - | $0 | - | - |
Filing and Contact Details
Filer
- Filer Name
- Employee Contribution Veba Trust
- EIN
- 04-3852107
- Phone
- 7162456100
- Address
- PO BOX 4391, CLINTON, IA 52733-4391
Signing Officer
- Name
- Patricia Reimann
- Title
- Trustee Representative
- Phone
- 7162456100
- Signed
- 2025-09-15
- Discuss with paid preparer
- Yes
Preparer
- Firm
- Onebridge Benefits Inc
- Address
- 170 FRANKLIN ST, BUFFALO, NY 14202-2412
- Phone
- 7162456100
Supplemental Narrative
Additional Explanations
Form 990-ez, Part I, Line 4 - Other Investment Income
“Description: investment income. Amount: 11,500.”
Form 990-ez, Part I, Line 20 - Other Changes in Net Assets
“Description: unrealized gain/loss on investment. Amount: -16,229. Description: rounding. Amount: 1. Total to form 990-ez, line 20: -16,228.”
Form 990-ez Part IV
“The contributing employer has appointed alta trust, a trust company organized under the laws of south dakota, as the successor trustee to the trust, concurrently with the removal of tiaa trust as trustee as of december 17, 2024. Simultaneously, onebridge benefits, inc. Was appointed as the successor recordkeeper.”
Raw XML Appendix107 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 |
|---|---|---|
| IRS990EZ/ActivitiesNotPreviouslyRptInd | 0 | 0 |
| IRS990EZ/BenefitsPaidToOrForMembersAmt | 0 | 21660 |
| IRS990EZ/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt | 0 | ONEBRIDGE BENEFITS INC |
| IRS990EZ/BooksInCareOfDetail/PhoneNum | 0 | 7162456100 |
| IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 170 FRANKLIN STREET SUITE 700 |
| IRS990EZ/BooksInCareOfDetail/USAddress/CityNm | 0 | BUFFALO |
| IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | NY |
| IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 14202 |
| IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt | 0 | 123684 |
| IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt | 0 | 138056 |
| IRS990EZ/ChgMadeToOrgnzngDocNotRptInd | 0 | 0 |
| IRS990EZ/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990EZ/CostOrOtherBasisExpenseSaleAmt | 0 | 146151 |
| IRS990EZ/DirectIndirectPltclExpendAmt | 0 | 0 |
| IRS990EZ/DonorAdvisedFndsInd | 0 | 0 |
| IRS990EZ/ExcessOrDeficitForYearAmt | 0 | 30600 |
| IRS990EZ/FeesAndOtherPymtToIndCntrctAmt | 0 | 1298 |
| IRS990EZ/ForeignFinancialAccountInd | 0 | 0 |
| IRS990EZ/ForeignOfficeInd | 0 | 0 |
| IRS990EZ/Form990TotalAssetsGrp/BOYAmt | 0 | 123684 |
| IRS990EZ/Form990TotalAssetsGrp/EOYAmt | 0 | 138056 |
| IRS990EZ/GainOrLossFromSaleOfAssetsAmt | 0 | 17733 |
| IRS990EZ/GrossReceiptsAmt | 0 | 199709 |
| IRS990EZ/InfoInScheduleOPartIIIInd | 0 | X |
| IRS990EZ/InfoInScheduleOPartIInd | 0 | X |
| IRS990EZ/InfoInScheduleOPartIVInd | 0 | X |
| IRS990EZ/InfoInScheduleOPartVInd | 0 | X |
| IRS990EZ/InvestmentIncomeAmt | 0 | 11500 |
| IRS990EZ/MadeLoansToFromOfficersInd | 0 | 0 |
| IRS990EZ/MethodOfAccountingCashInd | 0 | X |
| IRS990EZ/NetAssetsOrFundBalancesBOYAmt | 0 | 123684 |
| IRS990EZ/NetAssetsOrFundBalancesEOYAmt | 0 | 138056 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt | 0 | 123684 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt | 0 | 138056 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 0 | 0.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 1 | 0.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 0 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 1 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 0 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 1 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 0 | 750 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 1 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 0 | TIAA TRUST NA |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 1 | ALTA TRUST |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 0 | TRUSTEE |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 1 | TRUSTEE |
| IRS990EZ/OperateHospitalInd | 0 | 0 |
| IRS990EZ/Organization501cInd | 0 | X |
| IRS990EZ/OrganizationDissolvedEtcInd | 0 | 0 |
| IRS990EZ/OrganizationHadUBIInd | 0 | 0 |
| IRS990EZ/OtherAssetsTotalDetail/BOYAmt | 0 | 0 |
| IRS990EZ/OtherChangesInNetAssetsAmt | 0 | -16228 |
| IRS990EZ/OtherEmployeePaidOver100kCnt | 0 | 0 |
| IRS990EZ/PoliticalCampaignActyInd | 0 | 0 |
| IRS990EZ/PrimaryExemptPurposeTxt | 0 | THE TRUST HAS BEEN ESTABLISHED TO PROVIDE ACTIVE AND FORMER EMPLOYEES WITH HEALTH REIMBURSEMENT BENEFITS AS SET FORTH IN THE RELATED PLAN AND TO PROVIDE PAYMENT FOR HEALTH EXPENSES AS PERMITTED BY SECTION 501(C)(9) OF THE INTERNAL REVENUE CODE. |
| IRS990EZ/ProgramServiceRevenueAmt | 0 | 24325 |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt | 0 | ALL EXPENSES INCURRED HAVE BEEN APPLIED IN ACCORDANCE WITH THE STATED MISSION FOR ACTIVE AND FORMER EMPLOYEES, AND TO DEFRAY THE COST OF ADMINISTERING THE PLAN. |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt | 0 | 0 |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt | 0 | 0 |
| IRS990EZ/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990EZ/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990EZ/SaleOfAssetsGrossAmt | 0 | 163884 |
| IRS990EZ/ScheduleBNotRequiredInd | 0 | X |
| IRS990EZ/SubjectToProxyTaxInd | 0 | 0 |
| IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt | 0 | 0 |
| IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt | 0 | 0 |
| IRS990EZ/TanningServicesProvidedInd | 0 | 0 |
| IRS990EZ/TotalExpensesAmt | 0 | 22958 |
| IRS990EZ/TotalRevenueAmt | 0 | 53558 |
| IRS990EZ/TypeOfOrganizationTrustInd | 0 | X |
| IRS990EZ/WebsiteAddressTxt | 0 | N/A |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | DESCRIPTION: INVESTMENT INCOME. AMOUNT: 11,500. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | DESCRIPTION: UNREALIZED GAIN/LOSS ON INVESTMENT. AMOUNT: -16,229. DESCRIPTION: ROUNDING. AMOUNT: 1. TOTAL TO FORM 990-EZ, LINE 20: -16,228. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | THE CONTRIBUTING EMPLOYER HAS APPOINTED ALTA TRUST, A TRUST COMPANY ORGANIZED UNDER THE LAWS OF SOUTH DAKOTA, AS THE SUCCESSOR TRUSTEE TO THE TRUST, CONCURRENTLY WITH THE REMOVAL OF TIAA TRUST AS TRUSTEE AS OF DECEMBER 17, 2024. SIMULTANEOUSLY, ONEBRIDGE BENEFITS, INC. WAS APPOINTED AS THE SUCCESSOR RECORDKEEPER. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990-EZ, PART I, LINE 4 - OTHER INVESTMENT INCOME |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990-EZ, PART I, LINE 20 - OTHER CHANGES IN NET ASSETS |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990-EZ PART IV |
| TransferPrsnlBnftContractsDecl/DeclarationDesc | 0 | THE ORGANIZATION DID NOT, DURING THE YEAR, RECEIVE ANY FUNDS, DIRECTLY,OR INDIRECTLY, TO PAY PREMIUMS ON A PERSONAL BENEFIT CONTRACT.THE ORGANIZATION, DID NOT, DURING THE YEAR, PAY ANY PREMIUMS, DIRECTLY,OR INDIRECTLY, ON A PERSONAL BENEFIT CONTRACT. |
| ReturnHeader/BuildTS | 0 | 2025-03-06 01:10:19Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | 1 |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | PATRICIA REIMANN |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | TRUSTEE REPRESENTATIVE |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 7162456100 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2025-09-15 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | EMPLOYEE CONTRIBUTION VEBA TRUST |
| ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt | 0 | NORTHWOOD UNIVERSITY |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | EMPL |
| ReturnHeader/Filer/EIN | 0 | 043852107 |
| ReturnHeader/Filer/PhoneNum | 0 | 7162456100 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | PO BOX 4391 |
| ReturnHeader/Filer/USAddress/CityNm | 0 | CLINTON |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | IA |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 527334391 |
| ReturnHeader/IRSResponsiblePrtyInfoCurrInd | 0 | 1 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 873803779 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | ONEBRIDGE BENEFITS INC |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt | 0 | 170 FRANKLIN ST |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm | 0 | BUFFALO |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd | 0 | NY |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd | 0 | 142022412 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 7162456100 |
| ReturnHeader/PreparerPersonGrp/PreparationDt | 0 | 2025-09-15 |
| ReturnHeader/ReturnTs | 0 | 2025-09-15T12:41:00-05:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990EZ |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2024-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2024-12-31 |
| ReturnHeader/TaxYr | 0 | 2024 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
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