Civic Intelligence

Welfare Benefits Trust for Collectively Bargained Retired Employees of Metlife

EIN 13-4092516 • 501(c)9 • New York, NY

Profile

To provide medical and dental benefits to eligible collectively bargained retired employees of metlife group, inc. And participating affiliates.

200 Park Avenue 6th FloorNew York, NY 10166

n/A

Siviq Scores

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

Liabilities / Assets

17th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)9 • $25M-$50M nonprofits • Source year 2024

Liabilities / Revenue

21st percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)9 • $25M-$50M nonprofits • Source year 2024

Net Margin

97th percentile

86%

Higher net margin than 97% of similar nonprofits.

501(c)9 • $25M-$50M nonprofits • Source year 2024

Top Officer Pay

44th percentile

$0

Higher top officer pay than 44% of similar nonprofits.

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

501(c)9 • $25M-$50M nonprofits • Source year 2024

Asset Growth

34th percentile

2.8%

Faster asset growth than 34% of similar nonprofits.

501(c)9 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Revenue Growth

99th percentile

597%

Faster revenue growth than 99% of similar nonprofits.

501(c)9 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets17th percentile

Assets

Up

$43,080,218

Up $1,176,112 (+2.8%) from 2023

Liabilities

Flat

$0

Flat from 2023

Net Assets

Up

$43,080,218

Up $1,176,112 (+2.8%) from 2023

Operations
Liabilities / Revenue21st percentileNet Margin97th percentile

Revenue

Up

$2,082,372

Up $1,783,785 (+597%) from 2023

Expenses

Up

$297,023

Up $136,036 (+85%) from 2023

Net Income

Up

$1,785,349

Up $1,647,749 (+1197%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth34th percentile

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

$60M$40M$20M$0Assets 2011: $38,841,478Liabilities 2011: $0Net Assets 2011: $38,841,4782011Assets 2012: $42,328,870Liabilities 2012: $0Net Assets 2012: $42,328,8702012Assets 2013: $40,516,862Liabilities 2013: $0Net Assets 2013: $40,516,8622013Assets 2014: $43,035,966Liabilities 2014: $0Net Assets 2014: $43,035,9662014Assets 2015: $43,249,754Liabilities 2015: $0Net Assets 2015: $43,249,7542015Assets 2016: $46,067,185Liabilities 2016: $0Net Assets 2016: $46,067,1852016Assets 2017: $45,775,585Liabilities 2017: $0Net Assets 2017: $45,775,5852017Assets 2018: $41,986,444Liabilities 2018: $0Net Assets 2018: $41,986,4442018Assets 2019: $44,369,841Liabilities 2019: $0Net Assets 2019: $44,369,8412019Assets 2020: $47,302,519Liabilities 2020: $0Net Assets 2020: $47,302,5192020Assets 2021: $45,866,049Liabilities 2021: $0Net Assets 2021: $45,866,0492021Assets 2022: $38,916,982Liabilities 2022: $0Net Assets 2022: $38,916,9822022Assets 2023: $41,904,106Liabilities 2023: $0Net Assets 2023: $41,904,1062023Assets 2024: $43,080,218Liabilities 2024: $0Net Assets 2024: $43,080,2182024

Highlighted filing

2024

Assets$43,080,218
Liabilities$0
Net Assets$43,080,218
Open 2024 Filing

Operations Trend

Revenue Growth99th percentile

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

$4.0M$2.0M$0-$2.0MRevenue 2011: $2,718,051Expenses 2011: $3,400Net Income 2011: $2,714,6512011Expenses 2012: $1,8062012Revenue 2013: -$1,575,805Expenses 2013: $5,631Net Income 2013: -$1,581,4362013Revenue 2014: $2,523,441Expenses 2014: $4,337Net Income 2014: $2,519,1042014Revenue 2015: $218,442Expenses 2015: $4,654Net Income 2015: $213,7882015Revenue 2016: $2,822,451Expenses 2016: $5,020Net Income 2016: $2,817,4312016Revenue 2017: $2,176,309Expenses 2017: $2,467,909Net Income 2017: -$291,6002017Revenue 2018: -$154,676Expenses 2018: $1,352,968Net Income 2018: -$1,507,6442018Revenue 2019: $1,270,566Expenses 2019: $1,344,888Net Income 2019: -$74,3222019Revenue 2020: $2,951,967Expenses 2020: $1,015,757Net Income 2020: $1,936,2102020Revenue 2021: $1,142,472Expenses 2021: $860,875Net Income 2021: $281,5972021Revenue 2022: $1,230,341Expenses 2022: $313,905Net Income 2022: $916,4362022Revenue 2023: $298,587Expenses 2023: $160,987Net Income 2023: $137,6002023Revenue 2024: $2,082,372Expenses 2024: $297,023Net Income 2024: $1,785,3492024

Highlighted filing

2024

Revenue$2,082,372
Expenses$297,023
Net Income$1,785,349
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$43,080,218
Liabilities
$0
Net assets
$43,080,218
Revenue
$2,082,372
Expenses
$297,023
Net income
$1,785,349
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$43.1$0.00$43.1$2.08$0.30$1.79
2023Detailed filing. Detailed filing data is available for this year.$41.9$0.00$41.9$0.30$0.16$0.14
2022Detailed filing. Detailed filing data is available for this year.$38.9$0.00$38.9$1.23$0.31$0.92
2021Detailed filing. Detailed filing data is available for this year.$45.9$0.00$45.9$1.14$0.86$0.28
2020Detailed filing. Detailed filing data is available for this year.$47.3$0.00$47.3$2.95$1.02$1.94
2019Detailed filing. Detailed filing data is available for this year.$44.4$0.00$44.4$1.27$1.34$0.07
2018Summary only. Only limited summary data is available for this year.$42.0$0.00$42.0$0.15$1.35$1.51
2017Detailed filing. Detailed filing data is available for this year.$45.8$0.00$45.8$2.18$2.47$0.29
2016Detailed filing. Detailed filing data is available for this year.$46.1$0.00$46.1$2.82$0.01$2.82
2015Detailed filing. Detailed filing data is available for this year.$43.2$0.00$43.2$0.22$0.00$0.21
2014Detailed filing. Detailed filing data is available for this year.$43.0$0.00$43.0$2.52$0.00$2.52
2013Summary only. Only limited summary data is available for this year.$40.5$0.00$40.5$1.58$0.01$1.58
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$42.3$0.00$42.3$0.00
2011Summary only. Only limited summary data is available for this year.$38.8$0.00$38.8$2.72$0.00$2.71
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Aug 25, 2025
Return Version
2024v5.2
Gross Receipts
$2,082,372
Mission and Program Overview

Mission

To provide medical and dental benefits to eligible collectively bargained retired employees of metlife group, inc. And participating affiliates.

To provide medical and dental benefits eligible collectively bargained retired employees of metlife group, inc. And participating affiliates.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cap Stk Tr Prin Current Funds$41,904,106$43,080,218▲ $1,176,112
Investments in Publicly Traded Securities$29,657,396$29,090,399▼ $566,997
Cash and Non-Interest-Bearing Accounts$11,285,386$13,070,736▲ $1,785,350
Investments Other Securities$961,324$919,083▼ $42,241
Savings and Temporary Cash Investments$0$0→ $0
Accounts Receivable$0$0→ $0
Other Notes and Loans Receivable, Net$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Program Related$0$0→ $0
Land, Buildings, and Equipment, Net$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Rtn Earn Endowment Incm Other Fnds$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Prepaid Expenses and Deferred Charges$0$0→ $0
Total Assets$41,904,106$43,080,218▲ $1,176,112
Other Assets Total$0$0→ $0
Liabilities
Accounts Payable and Accrued Expenses$0$0→ $0
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Other Liabilities$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$0$0→ $0
Net Assets / Fund Balance
Total Net Assets Fund Balance$41,904,106$43,080,218▲ $1,176,112
Total Liabilities and Net Assets / Fund Balance$41,904,106$43,080,218▲ $1,176,112
Compensation and Service Providers
Top Officer Pay44th percentile

Board Members and Trustees

NameTitle
Casey HumphreysTrustee
Judith RubinsteinTrustee
Ken LaguardiaTrustee

Highest Paid Contractors

ContractorServicesLocationCompensation
None---
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$0
Investment Income
$2,082,372
Other Revenue
$0
Change in Net Assets
$1,785,349
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$7,448
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---$289,575
Fees for Services Accounting---$7,088
Other Expenses---$360
Total Functional Expenses$0$0$0$297,023
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$0
Fundraising Gross Income$0
Gaming Direct Expenses$0
Gaming Gross Income$0
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Governance and Compliance

Governance Checklist

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

Governance Explanations

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

“Prior to filing the Form 990 is reviewed by the following members of the governing body of the filing organization: 1) at least one of the members of the Board of Trustees and 2) legal counsel for the filing organization and its affiliates. This review is performed in consultation with the organization's tax advisors, Ernst & Young, LLP, and is based on the organization's unaudited financial statements for the relevant time period.”

FORM 990, PART VI, SECTION B, LINES 12A, 13, & 14

“Although no formal resolution has been approved by the governing body, the Welfare Benefits Trust for Collectively Bargained Retired Employees of MetLife has relied upon, and adopted, the conflict of interest, whistleblower, and document retention and destruction policies of METLIFE GROUP, INC., a related organization.”

FORM 990, PART VI, SECTION B, LINE 12C

“Metropolitan Life asks employees and officers at all levels to complete the business conduct certification annually and the Company consistently monitors and enforces compliance with such policy.”

Form 990, Part VI, Section C, Line 19

“The Trust makes its governing documents and financial statements available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Welfare Benefits Trust for Collectively
EIN
13-4092516
In Care Of
% JUDITH RUBINSTEIN
Phone
2125783814
Address
200 PARK AVENUE 6TH FLOOR, New York, NY 10166

Signing Officer

Name
Ken Laguardia
Title
Trustee
Phone
2125783814
Signed
2025-08-25
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Ken Laguardia
Formed
1999
Legal Domicile
Ny
Voting Board Members
3
Independent Board Members
0
Employees
0
Volunteers
0

Preparer

Firm
Ernst & Young US Llp
Address
2100 ONE PPG PLACE, PITTSBURGH, PA 15222
Preparer
Mike Cincotta
Phone
4126447800
Raw XML Appendix369 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.

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IRS990/ReportOtherLiabilitiesInd0false
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Prior to filing the Form 990 is reviewed by the following members of the governing body of the filing organization: 1) at least one of the members of the Board of Trustees and 2) legal counsel for the filing organization and its affiliates. This review is performed in consultation with the organization's tax advisors, Ernst & Young, LLP, and is based on the organization's unaudited financial statements for the relevant time period.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Although no formal resolution has been approved by the governing body, the Welfare Benefits Trust for Collectively Bargained Retired Employees of MetLife has relied upon, and adopted, the conflict of interest, whistleblower, and document retention and destruction policies of METLIFE GROUP, INC., a related organization.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Metropolitan Life asks employees and officers at all levels to complete the business conduct certification annually and the Company consistently monitors and enforces compliance with such policy.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3The Trust makes its governing documents and financial statements available to the public upon request.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION B, LINES 12a, 13, & 14
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION B, LINE 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION C, LINE 19
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IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/EIN0550790010
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/EntityTypeTxt0C CORPORATION
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/LegalDomicileStateCd0NY
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/PrimaryActivitiesTxt0INSURANCE
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/RelatedOrganizationName/BusinessNameLine1Txt0METLIFE GROUP INC
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/USAddress/AddressLine1Txt0200 PARK AVENUE 6TH FLOOR
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IRS990/TotalVolunteersCnt00
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IRS990/USAddress/StateAbbreviationCd0NY
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ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0KEN LAGUARDIA
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TRUSTEE
ReturnHeader/BusinessOfficerGrp/PhoneNum02125783814
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-08-25
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Welfare Benefits Trust for Collectively
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0Bargained Retired Employees of MetLife
ReturnHeader/Filer/BusinessNameControlTxt0WELF
ReturnHeader/Filer/EIN0134092516
ReturnHeader/Filer/InCareOfNm0% JUDITH RUBINSTEIN
ReturnHeader/Filer/PhoneNum02125783814
ReturnHeader/Filer/USAddress/AddressLine1Txt0200 PARK AVENUE 6TH FLOOR
ReturnHeader/Filer/USAddress/CityNm0New York
ReturnHeader/Filer/USAddress/StateAbbreviationCd0NY
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ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0ERNST & YOUNG US LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt02100 ONE PPG PLACE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0PITTSBURGH
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0PA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd015222
ReturnHeader/PreparerPersonGrp/PhoneNum04126447800
ReturnHeader/PreparerPersonGrp/PreparationDt02025-08-15
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Mike Cincotta
ReturnHeader/ReturnTs02025-08-27T11:30:32-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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