Civic Intelligence

Nbea Health and Welfare Fund

EIN 04-6744659 • 501(c)9 • New Bedford, MA

View Organization Page

Profile

New bedford educators association health and welfare fund provides dental insurance to new bedford public school teachers thru pre-tax payroll withholdings.

160 William StreetNew Bedford, MA 02740

n/A

Siviq Scores

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

Liabilities / Assets

93rd percentile

0.88x

Higher debt load relative to assets than 93% of similar nonprofits.

501(c)9 • $500k-$1M nonprofits • Source year 2024

Liabilities / Revenue

94th percentile

0.39x

Higher debt load relative to revenue than 94% of similar nonprofits.

501(c)9 • $500k-$1M nonprofits • Source year 2024

Net Margin

36th percentile

-5.6%

Higher net margin than 36% of similar nonprofits.

501(c)9 • $500k-$1M nonprofits • Source year 2024

Top Officer Pay

84th percentile

$105,158

Higher top officer pay than 84% of similar nonprofits.

Top officer pay equals 11.8% of source-year revenue.

501(c)9 • $500k-$1M nonprofits • Source year 2024

Asset Growth

43rd percentile

-3.8%

Faster asset growth than 43% of similar nonprofits.

501(c)9 • $500k-$1M nonprofits • Annualized from 2023 to 2024

Revenue Growth

42nd percentile

-2.2%

Faster revenue growth than 42% of similar nonprofits.

501(c)9 • $500k-$1M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets93rd percentile

Assets

Down

$394,157

Down $15,587 (-3.8%) from 2023

Liabilities

Up

$348,176

Up $34,380 (+11%) from 2023

Net Assets

Down

$45,981

Down $49,967 (-52%) from 2023

Operations
Liabilities / Revenue94th percentileNet Margin36th percentile

Revenue

Down

$889,774

Down $20,388 (-2.2%) from 2023

Expenses

Down

$939,741

Down $5,846 (-0.6%) from 2023

Net Income

Down

-$49,967

Down $14,542 (-41%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth43rd percentile

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

$600K$400K$200K$0Assets 2011: $394,572Liabilities 2011: $223,575Net Assets 2011: $170,9972011Assets 2012: $431,868Liabilities 2012: $231,810Net Assets 2012: $200,0582012Assets 2013: $459,912Liabilities 2013: $242,141Net Assets 2013: $217,7712013Assets 2014: $503,662Liabilities 2014: $272,472Net Assets 2014: $231,1902014Assets 2015: $506,559Liabilities 2015: $296,025Net Assets 2015: $210,5342015Assets 2016: $510,022Liabilities 2016: $298,865Net Assets 2016: $211,1572016Assets 2017: $500,450Liabilities 2017: $284,811Net Assets 2017: $215,6392017Assets 2018: $477,364Liabilities 2018: $273,526Net Assets 2018: $203,8382018Assets 2019: $479,800Liabilities 2019: $288,644Net Assets 2019: $191,1562019Assets 2020: $470,896Liabilities 2020: $289,816Net Assets 2020: $181,0802020Assets 2021: $464,356Liabilities 2021: $307,715Net Assets 2021: $156,6412021Assets 2022: $453,430Liabilities 2022: $322,057Net Assets 2022: $131,3732022Assets 2023: $409,744Liabilities 2023: $313,796Net Assets 2023: $95,9482023Assets 2024: $394,157Liabilities 2024: $348,176Net Assets 2024: $45,9812024

Highlighted filing

2024

Assets$394,157
Liabilities$348,176
Net Assets$45,981
Open 2024 Filing

Operations Trend

Revenue Growth42nd percentile

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

$1.0M$500K$0-$500KExpenses 2011: $633,4102011Expenses 2012: $664,4962012Revenue 2013: $720,914Expenses 2013: $703,201Net Income 2013: $17,7132013Revenue 2014: $737,004Expenses 2014: $723,585Net Income 2014: $13,4192014Revenue 2015: $749,438Expenses 2015: $770,094Net Income 2015: -$20,6562015Revenue 2016: $771,472Expenses 2016: $770,849Net Income 2016: $6232016Revenue 2017: $813,425Expenses 2017: $808,943Net Income 2017: $4,4822017Revenue 2018: $804,221Expenses 2018: $816,022Net Income 2018: -$11,8012018Revenue 2019: $821,356Expenses 2019: $834,038Net Income 2019: -$12,6822019Revenue 2020: $877,014Expenses 2020: $887,090Net Income 2020: -$10,0762020Revenue 2021: $870,958Expenses 2021: $895,397Net Income 2021: -$24,4392021Revenue 2022: $914,616Expenses 2022: $939,884Net Income 2022: -$25,2682022Revenue 2023: $910,162Expenses 2023: $945,587Net Income 2023: -$35,4252023Revenue 2024: $889,774Expenses 2024: $939,741Net Income 2024: -$49,9672024

Highlighted filing

2024

Revenue$889,774
Expenses$939,741
Net Income-$49,967
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$394,157
Liabilities
$348,176
Net assets
$45,981
Revenue
$889,774
Expenses
$939,741
Net income
-$49,967
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$3.94$3.48$0.46$8.90$9.40$0.50
2023Detailed filing. Detailed filing data is available for this year.$4.10$3.14$0.96$9.10$9.46$0.35
2022Detailed filing. Detailed filing data is available for this year.$4.53$3.22$1.31$9.15$9.40$0.25
2021Detailed filing. Detailed filing data is available for this year.$4.64$3.08$1.57$8.71$8.95$0.24
2020Detailed filing. Detailed filing data is available for this year.$4.71$2.90$1.81$8.77$8.87$0.10
2019Detailed filing. Detailed filing data is available for this year.$4.80$2.89$1.91$8.21$8.34$0.13
2018Detailed filing. Detailed filing data is available for this year.$4.77$2.74$2.04$8.04$8.16$0.12
2017Detailed filing. Detailed filing data is available for this year.$5.00$2.85$2.16$8.13$8.09$0.04
2016Detailed filing. Detailed filing data is available for this year.$5.10$2.99$2.11$7.71$7.71$0.01
2015Detailed filing. Detailed filing data is available for this year.$5.07$2.96$2.11$7.49$7.70$0.21
2014Detailed filing. Detailed filing data is available for this year.$5.04$2.72$2.31$7.37$7.24$0.13
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.60$2.42$2.18$7.21$7.03$0.18
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.32$2.32$2.00$6.64
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.95$2.24$1.71$6.33
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jul 1, 2023 to Jun 30, 2024
Signed
May 13, 2025
Return Version
2023v6.0
Gross Receipts
$889,774
Mission and Program Overview

Mission

New bedford educators association health and welfare fund provides dental insurance to active and retired new bedford public school teachers thru pre-tax payroll withholdings.

New bedford educators association health and welfare fund was established to provide dental and vision insurance thru pre-tax premium payments from school teachers in the new bedford public school system. Both active and retired teachers are eligible.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$335,008$319,239▼ $15,769
Prepaid Expenses and Deferred Charges$72,624$70,804▼ $1,820
Accounts Receivable$2,112$4,114▲ $2,002
Total Assets$409,744$394,157▼ $15,587
Liabilities
Deferred Revenue$298,546$288,215▼ $10,331
Accounts Payable and Accrued Expenses$15,250$59,961▲ $44,711
Total Liabilities$313,796$348,176▲ $34,380
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$95,948$45,981▼ $49,967
Total Net Assets Fund Balance$95,948$45,981▼ $49,967
Total Liabilities and Net Assets / Fund Balance$409,744$394,157▼ $15,587
Compensation and Service Providers
Top Officer Pay84th percentile

Employees

NameTitleOtherTotal
Thomas NickersonChairperson / Trustee$105,158$105,158
Lynn DraytonTrustee$13,421$13,421
Christopher GarciaTrustee$4,063$4,063
Justin MareTrustee$1,250$1,250

Board Members and Trustees

NameTitle
Christopher DonnellyTrustee
Frederick PearsonTrustee
Kim E PearsonTrustee
Victoria JonesTrustee
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$886,811
Investment Income
$158
Other Revenue
$2,805
Change in Net Assets
$-49,967

Audited Revenue Reconciliation

Revenue per Audited Statements
$889,774
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$889,774
Total Revenue per Form 990
$889,774
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$62,481
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$877,260--$877,260
Payments to Affiliates-$41,711-$41,711
Fees for Services Accounting-$18,250-$18,250
Office Expenses-$1,222-$1,222
Other Expenses-$528-$528
Total Functional Expenses$877,260$62,481$0$939,741

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$939,741
Total Expenses per Audited Statements$939,741
Total Expenses per Form 990$939,741
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
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
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
No
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
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The trust has members. The members pay dues to the trust and the trust purchases dental and vision insurance for the members.”

Form 990, Part VI, Section B, Line 11B

“The board of trustees is provided with a copy of the form 990 and financial statements to review during a meeting with the accountant before the form 990 is filed.”

Form 990, Part VI, Section B, Line 12C

“Annually each board member receives a copy of the conflict of interest policy and must sign a statement indicating that they have received the policy and have disclosed of or have no conflicts of interest with the trust.”

Form 990, Part VI, Section C, Line 19

“The organization makes its governing documents, conflict of interest policy and financial statements available upon request by providing the requestor with a paper copy of the documents requested.”

Filing and Contact Details

Filer

Filer Name
Nbea Health and Welfare Fund
EIN
04-6744659
Phone
5089844441
Address
160 WILLIAM STREET, NEW BEDFORD, MA 02740

Signing Officer

Name
Thomas Nickerson
Title
Trustee
Phone
5089844441
Signed
2025-05-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Thomas Nickerson
Formed
1993
Legal Domicile
Ma
Voting Board Members
8
Independent Board Members
8
Employees
0
Volunteers
0

Preparer

Firm
Dias Lapalme & Martin Llp
Address
522 HAWTHORN STREET, NORTH DARTMOUTH, MA 02747
Preparer
David Lapalme CPA
Phone
5089949333
Supplemental Narrative

Additional Explanations

Form 990 Part XII Line 2C

“The board of trustees votes to determine the accounting firm to be used each year to perform the annual audit and prepare the information returns.”

Raw XML Appendix367 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
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt015250
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt059961
IRS990/AccountsReceivableGrp/BOYAmt02112
IRS990/AccountsReceivableGrp/EOYAmt04114
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0NEW BEDFORD EDUCATORS ASSOCIATION HEALTH AND WELFARE FUND WAS ESTABLISHED TO PROVIDE DENTAL AND VISION INSURANCE THRU PRE-TAX PREMIUM PAYMENTS FROM SCHOOL TEACHERS IN THE NEW BEDFORD PUBLIC SCHOOL SYSTEM. BOTH ACTIVE AND RETIRED TEACHERS ARE ELIGIBLE.
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd00
IRS990/BenefitsToMembersGrp/ProgramServicesAmt0877260
IRS990/BenefitsToMembersGrp/TotalAmt0877260
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0NBEA HEALTH AND WELFARE FUND
IRS990/BooksInCareOfDetail/PhoneNum05089844441
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0160 WILLIAM STREET
IRS990/BooksInCareOfDetail/USAddress/CityNm0NEW BEDFORD
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MA
IRS990/BooksInCareOfDetail/USAddress/ZIPCd002740
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd00
IRS990/CompensationProcessOtherInd00
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt0877260
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0158
IRS990/CYOtherExpensesAmt062481
IRS990/CYOtherRevenueAmt02805
IRS990/CYProgramServiceRevenueAmt0886811
IRS990/CYRevenuesLessExpensesAmt0-49967
IRS990/CYSalariesCompEmpBnftPaidAmt00
IRS990/CYTotalExpensesAmt0939741
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0889774
IRS990/DecisionsSubjectToApprovaInd00
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DeferredRevenueGrp/BOYAmt0298546
IRS990/DeferredRevenueGrp/EOYAmt0288215
IRS990/DelegationOfMgmtDutiesInd00
IRS990/Desc0PROVIDE DENTAL AND VISION INSURANCE TO ALL PARTICIPATING MEMBERS. ONLY NEW BEDFORD PUBLIC SCHOOL TEACHERS, EITHER BEING ACTIVE OR RETIRED, ARE ELIGIBLE. THERE WERE 1,107 PARTICIPANTS AT FISCAL YEAR END JUNE 30,2024.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd00
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd00
IRS990/EmployeeCnt00
IRS990/ExpenseAmt0877260
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt018250
IRS990/FeesForServicesAccountingGrp/TotalAmt018250
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt340.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt71.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/PersonNm0THOMAS NICKERSON
IRS990/Form990PartVIISectionAGrp/PersonNm1KIM E PEARSON
IRS990/Form990PartVIISectionAGrp/PersonNm2FREDERICK PEARSON
IRS990/Form990PartVIISectionAGrp/PersonNm3CHRISTOPHER DONNELLY
IRS990/Form990PartVIISectionAGrp/PersonNm4CHRISTOPHER GARCIA
IRS990/Form990PartVIISectionAGrp/PersonNm5JUSTIN MARE
IRS990/Form990PartVIISectionAGrp/PersonNm6LYNN DRAYTON
IRS990/Form990PartVIISectionAGrp/PersonNm7VICTORIA JONES
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt0105158
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt44063
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt51250
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt613421
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRPERSON / TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt1TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt2TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt3TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt4TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt5TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt6TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt7TRUSTEE
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/FormationYr01993
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt08
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt0889774
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt08
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0158
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0158
IRS990/InvestmentInJointVentureInd00
IRS990/IRPDocumentCnt01
IRS990/IRPDocumentW2GCnt00
IRS990/LegalDomicileStateCd0MA
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0NEW BEDFORD EDUCATORS ASSOCIATION HEALTH AND WELFARE FUND PROVIDES DENTAL AND VISION INSURANCE TO ACTIVE AND RETIRED NEW BEDFORD PUBLIC SCHOOL TEACHERS THRU PRE-TAX PAYROLL WITHHOLDINGS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt095948
IRS990/NetAssetsOrFundBalancesEOYAmt045981
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NoDonorRestrictionNetAssetsGrp/BOYAmt095948
IRS990/NoDonorRestrictionNetAssetsGrp/EOYAmt045981
IRS990/NondeductibleContributionsInd00
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt01222
IRS990/OfficeExpensesGrp/TotalAmt01222
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrganizationFollowsFASB117Ind0X
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherExpensesGrp/Desc0TELEPHONE
IRS990/OtherExpensesGrp/Desc1POSTAGE
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt0770
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt1528
IRS990/OtherExpensesGrp/TotalAmt0770
IRS990/OtherExpensesGrp/TotalAmt1528
IRS990/OtherRevenueMiscGrp/BusinessCd0624100
IRS990/OtherRevenueMiscGrp/Desc0ENTRANCE FEES
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt02805
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt02805
IRS990/OtherRevenueTotalAmt02805
IRS990/OtherWebsiteInd0X
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/ManagementAndGeneralAmt041711
IRS990/PaymentsToAffiliatesGrp/TotalAmt041711
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt072624
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt070804
IRS990/PrincipalOfficerNm0THOMAS NICKERSON
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0624100
IRS990/ProgramServiceRevenueGrp/Desc0DENTAL AND VISION INSU
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0886811
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0886811
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt0890804
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0182
IRS990/PYOtherExpensesAmt054783
IRS990/PYOtherRevenueAmt01575
IRS990/PYProgramServiceRevenueAmt0908405
IRS990/PYRevenuesLessExpensesAmt0-35425
IRS990/PYSalariesCompEmpBnftPaidAmt00
IRS990/PYTotalExpensesAmt0945587
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0910162
IRS990/ReconcilationRevenueExpnssAmt0-49967
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd01
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd00
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt0889774
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0335008
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0319239
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt0939741
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt0889774
IRS990ScheduleD/TotalBookValueLandBuildingsAmt00
IRS990ScheduleD/TotalExpensesPerForm990Amt0939741
IRS990ScheduleD/TotalRevenuePerForm990Amt0889774
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt0889774
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt0939741
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE TRUST HAS MEMBERS. THE MEMBERS PAY DUES TO THE TRUST AND THE TRUST PURCHASES DENTAL AND VISION INSURANCE FOR THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE BOARD OF TRUSTEES IS PROVIDED WITH A COPY OF THE FORM 990 AND FINANCIAL STATEMENTS TO REVIEW DURING A MEETING WITH THE ACCOUNTANT BEFORE THE FORM 990 IS FILED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2ANNUALLY EACH BOARD MEMBER RECEIVES A COPY OF THE CONFLICT OF INTEREST POLICY AND MUST SIGN A STATEMENT INDICATING THAT THEY HAVE RECEIVED THE POLICY AND HAVE DISCLOSED OF OR HAVE NO CONFLICTS OF INTEREST WITH THE TRUST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS AVAILABLE UPON REQUEST BY PROVIDING THE REQUESTOR WITH A PAPER COPY OF THE DOCUMENTS REQUESTED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE BOARD OF TRUSTEES VOTES TO DETERMINE THE ACCOUNTING FIRM TO BE USED EACH YEAR TO PERFORM THE ANNUAL AUDIT AND PREPARE THE INFORMATION RETURNS.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990 PART XII LINE 2C
IRS990ScheduleR/AssetExchangeInd00
IRS990ScheduleR/AssetPurchaseFromOtherOrgInd00
IRS990ScheduleR/AssetSaleToOtherOrgInd00
IRS990ScheduleR/DivRelatedOrganizationInd00
IRS990ScheduleR/GiftGrntCapContriFromOthOrgInd00
IRS990ScheduleR/GiftGrntOrCapContriToOthOrgInd00
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ControlledOrganizationInd00
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt0NEW BEDFORD EDUCATORS ASSOCIATION INC
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/EIN0237062560
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ExemptCodeSectionTxt0501(C)(5)
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/LegalDomicileStateCd0MA
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PrimaryActivitiesTxt0LABOR UNION FOR NEW BEDFORD PUBLIC SCHOOL SYSTEM TEACHERS
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/AddressLine1Txt0160 WILLIAM STREET
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/CityNm0NEW BEDFORD
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/StateAbbreviationCd0MA
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/ZIPCd002740
IRS990ScheduleR/LoansOrGuaranteesFromOthOrgInd00
IRS990ScheduleR/LoansOrGuaranteesToOtherOrgInd00
IRS990ScheduleR/PaidEmployeesSharingInd01
IRS990ScheduleR/PerformOfServicesByOtherOrgInd00
IRS990ScheduleR/PerformOfServicesForOthOrgInd00
IRS990ScheduleR/ReceiptOfIntAnntsRntsRyltsInd00
IRS990ScheduleR/ReimbursementPaidByOtherOrgInd00
IRS990ScheduleR/ReimbursementPaidToOtherOrgInd01
IRS990ScheduleR/RentalOfFacilitiesToOthOrgInd00
IRS990ScheduleR/RentalOfFcltsFromOthOrgInd00
IRS990ScheduleR/SharingOfFacilitiesInd01
IRS990ScheduleR/TransactionsRelatedOrgGrp/InvolvedAmt03713
IRS990ScheduleR/TransactionsRelatedOrgGrp/InvolvedAmt121028
IRS990ScheduleR/TransactionsRelatedOrgGrp/InvolvedAmt216970
IRS990ScheduleR/TransactionsRelatedOrgGrp/MethodOfAmountDeterminationTxt0MANAGEMENT ESTIMATE
IRS990ScheduleR/TransactionsRelatedOrgGrp/MethodOfAmountDeterminationTxt1ESTIMATED TIME SPENT BY EMPLOYEES
IRS990ScheduleR/TransactionsRelatedOrgGrp/MethodOfAmountDeterminationTxt2MANAGEMENT ESTIMATE
IRS990ScheduleR/TransactionsRelatedOrgGrp/OtherOrganizationName/BusinessNameLine1Txt0NEW BEDFORD EDUCATORS ASSOCIATION INC
IRS990ScheduleR/TransactionsRelatedOrgGrp/OtherOrganizationName/BusinessNameLine1Txt1NEW BEDFORD EDUCATORS ASSOCIATION INC
IRS990ScheduleR/TransactionsRelatedOrgGrp/OtherOrganizationName/BusinessNameLine1Txt2NEW BEDFORD EDUCATORS ASSOCIATION INC
IRS990ScheduleR/TransactionsRelatedOrgGrp/TransactionTypeTxt0N
IRS990ScheduleR/TransactionsRelatedOrgGrp/TransactionTypeTxt1O
IRS990ScheduleR/TransactionsRelatedOrgGrp/TransactionTypeTxt2P
IRS990ScheduleR/TransferFromOtherOrgInd00
IRS990ScheduleR/TransferToOtherOrgInd00
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt0409744
IRS990/TotalAssetsEOYAmt0394157
IRS990/TotalAssetsGrp/BOYAmt0409744
IRS990/TotalAssetsGrp/EOYAmt0394157
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt062481
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0877260
IRS990/TotalFunctionalExpensesGrp/TotalAmt0939741
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0313796
IRS990/TotalLiabilitiesEOYAmt0348176
IRS990/TotalLiabilitiesGrp/BOYAmt0313796
IRS990/TotalLiabilitiesGrp/EOYAmt0348176
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt095948
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt045981
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt0877260
IRS990/TotalProgramServiceRevenueAmt0886811
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0889774
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0889774
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0409744
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0394157
IRS990/TotReportableCompRltdOrgAmt0123892
IRS990/TypeOfOrganizationTrustInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0160 WILLIAM STREET
IRS990/USAddress/CityNm0NEW BEDFORD
IRS990/USAddress/StateAbbreviationCd0MA
IRS990/USAddress/ZIPCd002740
IRS990/VotingMembersGoverningBodyCnt08
IRS990/VotingMembersIndependentCnt08
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0THOMAS NICKERSON
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TRUSTEE
ReturnHeader/BusinessOfficerGrp/PhoneNum05089844441
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-05-13
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0NBEA HEALTH AND WELFARE FUND
ReturnHeader/Filer/BusinessNameControlTxt0NBEA
ReturnHeader/Filer/EIN0046744659
ReturnHeader/Filer/PhoneNum05089844441
ReturnHeader/Filer/USAddress/AddressLine1Txt0160 WILLIAM STREET
ReturnHeader/Filer/USAddress/CityNm0NEW BEDFORD
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MA
ReturnHeader/Filer/USAddress/ZIPCd002740
ReturnHeader/IRSResponsiblePrtyInfoCurrInd00
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0800029766
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0DIAS LAPALME & MARTIN LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0522 HAWTHORN STREET
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0NORTH DARTMOUTH
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd002747
ReturnHeader/PreparerPersonGrp/PhoneNum05089949333
ReturnHeader/PreparerPersonGrp/PreparationDt02025-03-27
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0DAVID LAPALME CPA
ReturnHeader/ReturnTs02025-05-14T13:29:05-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02023-07-01
ReturnHeader/TaxPeriodEndDt02024-06-30
ReturnHeader/TaxYr02023

Document Assets

No mirrored PDF or thumbnail assets are attached yet.