Civic Intelligence

Chester Teachers Assoc Benefit Fund Attn Karen Laforge

990EZ • Fiscal year 2020 • EIN 13-6955890

Jul 01, 2019 to Jun 30, 2020 • Filed on May 03, 2021

Organization ProfileN/A
64 Hambletonian AvenueChester, NY 10918

(845) 469-2231

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

81st percentile

0.06x

Higher debt load relative to assets than 81% of similar nonprofits.

2020 filings • 501(c)9 • <$500k nonprofits • Source year 2020

Liabilities / Revenue

85th percentile

0.13x

Higher debt load relative to revenue than 85% of similar nonprofits.

2020 filings • 501(c)9 • <$500k nonprofits • Source year 2020

Net Margin

82nd percentile

33%

Higher net margin than 82% of similar nonprofits.

2020 filings • 501(c)9 • <$500k nonprofits • Source year 2020

Top Officer Pay

75th percentile

$0

Higher top officer pay than 75% of similar nonprofits.

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

2020 filings • 501(c)9 • <$500k nonprofits • Source year 2020

Asset Growth

81st percentile

18%

Faster asset growth than 81% of similar nonprofits.

2020 filings • 501(c)9 • <$500k nonprofits • Annualized from 2019 to 2020

Revenue Growth

63rd percentile

-1.6%

Faster revenue growth than 63% of similar nonprofits.

2020 filings • 501(c)9 • <$500k nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / Assets81st percentile

Assets

Up

$254,982

Up $38,361 (+18%) from 2019

Net Assets

Up

$239,444

Up $35,181 (+17%) from 2019

Liabilities

Up

$15,538

Up $3,180 (+26%) from 2019

Revenue And Expenses
Liabilities / Revenue85th percentileNet Margin82nd percentile

Revenue

Down

$119,569

Down $1,933 (-1.6%) from 2019

Expenses

Down

$79,748

Down $14,298 (-15%) from 2019

Net Income

Up

$39,821

Up $12,365 (+45%) from 2019

Historical Trend

Balance Sheet Trend

Asset Growth81st percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$600K$400K$200K$0Assets 2011: $134,937Liabilities 2011: $3,636Net Assets 2011: $131,3012011Assets 2012: $126,740Liabilities 2012: $5,7042012Assets 2013: $98,956Liabilities 2013: $7,135Net Assets 2013: $91,8212013Assets 2014: $69,002Liabilities 2014: $4,203Net Assets 2014: $64,7992014Assets 2015: $87,013Liabilities 2015: $2,683Net Assets 2015: $84,3302015Assets 2016: $123,252Liabilities 2016: $5,0532016Assets 2017: $147,473Liabilities 2017: $2,771Net Assets 2017: $144,7022017Assets 2018: $190,820Liabilities 2018: $14,013Net Assets 2018: $176,8072018Assets 2019: $216,621Liabilities 2019: $12,358Net Assets 2019: $204,2632019Assets 2020: $254,982Liabilities 2020: $15,538Net Assets 2020: $239,4442020Assets 2021: $280,489Liabilities 2021: $13,037Net Assets 2021: $267,4522021Assets 2022: $315,165Liabilities 2022: $13,488Net Assets 2022: $301,6772022Assets 2023: $350,354Liabilities 2023: $8,2142023Assets 2024: $378,477Liabilities 2024: $11,922Net Assets 2024: $366,5552024Assets 2025: $422,246Liabilities 2025: $9,323Net Assets 2025: $412,9232025

Highlighted filing

2020

Assets$254,982
Liabilities$15,538
Net Assets$239,444
Open 2020 Filing

Operations Trend

Revenue Growth63rd percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$150K$100K$50K$0-$50KRevenue 2011: $102,125Expenses 2011: $111,361Net Income 2011: -$9,2362011Revenue 2012: $95,807Expenses 2012: $106,072Net Income 2012: -$10,2652012Revenue 2013: $93,264Expenses 2013: $122,479Net Income 2013: -$29,2152013Revenue 2014: $91,948Expenses 2014: $117,969Net Income 2014: -$26,0212014Revenue 2015: $108,829Expenses 2015: $89,298Net Income 2015: $19,5312015Revenue 2016: $120,904Expenses 2016: $87,035Net Income 2016: $33,8692016Revenue 2017: $118,615Expenses 2017: $92,112Net Income 2017: $26,5032017Revenue 2018: $120,902Expenses 2018: $88,797Net Income 2018: $32,1052018Revenue 2019: $121,502Expenses 2019: $94,046Net Income 2019: $27,4562019Revenue 2020: $119,569Expenses 2020: $79,748Net Income 2020: $39,8212020Revenue 2021: $114,487Expenses 2021: $86,479Net Income 2021: $28,0082021Revenue 2022: $122,229Expenses 2022: $88,004Net Income 2022: $34,2252022Revenue 2023: $129,676Expenses 2023: $89,213Net Income 2023: $40,4632023Revenue 2024: $130,495Expenses 2024: $106,080Net Income 2024: $24,4152024Revenue 2025: $124,928Expenses 2025: $78,560Net Income 2025: $46,3682025

Highlighted filing

2020

Revenue$119,569
Expenses$79,748
Net Income$39,821
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jul 1, 2019 to Jun 30, 2020
Signed
May 3, 2021
Return Version
2019v5.2
Gross Receipts
$119,569
Mission and Program Overview

Mission

Vision and dental benefits for members and immediate family

Program Services

DescriptionGrantsExpenses
PROVIDE DENTAL AND VISION BENEFITS TO MEMBERS AND THEIR FAMILIES$0$0
Compensation and Service Providers
Top Officer Pay75th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
TONI KEGLOVITZChairPT$0--
DENISE GASSTrusteePT$0--
KAREN LAFORGETrusteePT$0--
TRICIA MAGGI THROUGH 7282020TrusteePT$0--
MICHELE THOMPSONPresidentPT$0--
ALANA SULLIVAN AS OF 7282020TrusteePT$0--
Filing and Contact Details

Filer

Filer Name
Chester Teachers Assoc Benefit Fund
EIN
13-6955890
Phone
8454692231
Address
64 HAMBLETONIAN AVENUE, CHESTER, NY 10918

Signing Officer

Name
Karen Laforge
Title
Trustee
Phone
8454692231
Signed
2021-05-03
Discuss with paid preparer
Yes

Preparer

Firm
PKF O'CONNOR DAVIES LLP
Address
32 FOSTERTOWN ROAD, NEWBURGH, NY 12550
Preparer
Tracy L Badgley
Phone
8455655400
Supplemental Narrative

Additional Explanations

Form 990-ez, Part I, Line 8 - Other Revenue

“Description: interest income. Amount: 87.”

Form 990-ez, Part I, Line 16 - Other Expenses

“Description: administrative fees. Amount: 3,429. Description: audit fee. Amount: 4,961. Total to form 990-ez, line 16: 8,390.”

Form 990-ez, Part I, Line 20 - Other Changes in Net Assets

“Description: adjustment to prior year ending accounts payable . Amount: -4,640.”

Form 990-ez, Part II, Line 26 - Other Liabilities

“Description: claims payable. Beg. Of year amount: 7,758. End of year amount: 4,588. Description: accounts payable. Beg. Of year amount: 4,600. End of year amount: 10,950.”

Raw XML Appendix128 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/ActivitiesNotPreviouslyRptInd00
IRS990EZ/BenefitsPaidToOrForMembersAmt071358
IRS990EZ/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0PREFERRED GROUP PLANS INC
IRS990EZ/BooksInCareOfDetail/PhoneNum05186410321
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt019 BRITISH AMERICAN BLVD
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0LATHAM
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0NY
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd012110
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt0216621
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt0254982
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd00
IRS990EZ/DirectIndirectPltclExpendAmt00
IRS990EZ/DonorAdvisedFndsInd00
IRS990EZ/ExcessOrDeficitForYearAmt039821
IRS990EZ/ForeignFinancialAccountInd00
IRS990EZ/ForeignOfficeInd00
IRS990EZ/Form990TotalAssetsGrp/BOYAmt0216621
IRS990EZ/Form990TotalAssetsGrp/EOYAmt0254982
IRS990EZ/GrossReceiptsAmt0119569
IRS990EZ/InfoInScheduleOPartIIIInd0X
IRS990EZ/InfoInScheduleOPartIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InfoInScheduleOPartVInd0X
IRS990EZ/MadeLoansToFromOfficersInd00
IRS990EZ/MethodOfAccountingAccrualInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt0204263
IRS990EZ/NetAssetsOrFundBalancesEOYAmt0239444
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt0204263
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt0239444
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt010.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt110.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt210.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt310.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt410.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt510.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0TONI KEGLOVITZ
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1DENISE GASS
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2KAREN LAFORGE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3TRICIA MAGGI THROUGH 7282020
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm4MICHELE THOMPSON
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm5ALANA SULLIVAN AS OF 7282020
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0CHAIR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1TRUSTEE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2TRUSTEE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3TRUSTEE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt4PRESIDENT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt5TRUSTEE
IRS990EZ/OperateHospitalInd00
IRS990EZ/Organization501cInd0X
IRS990EZ/OrganizationDissolvedEtcInd00
IRS990EZ/OrganizationHadUBIInd00
IRS990EZ/OtherChangesInNetAssetsAmt0-4640
IRS990EZ/OtherExpensesTotalAmt08390
IRS990EZ/OtherRevenueTotalAmt087
IRS990EZ/PoliticalCampaignActyInd00
IRS990EZ/PrimaryExemptPurposeTxt0VISION AND DENTAL BENEFITS FOR MEMBERS AND IMMEDIATE FAMILY
IRS990EZ/ProgramServiceRevenueAmt0119482
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0PROVIDE DENTAL AND VISION BENEFITS TO MEMBERS AND THEIR FAMILIES
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt00
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt00
IRS990EZ/ProhibitedTaxShelterTransInd00
IRS990EZ/RelatedOrganizationCtrlEntInd00
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SubjectToProxyTaxInd00
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt012358
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt015538
IRS990EZ/TanningServicesProvidedInd00
IRS990EZ/TotalExpensesAmt079748
IRS990EZ/TotalRevenueAmt0119569
IRS990EZ/TransactionWithControlEntInd00
IRS990EZ/TypeOfOrganizationAssocInd0X
IRS990EZ/WebsiteAddressTxt0N/A
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0DESCRIPTION: INTEREST INCOME. AMOUNT: 87.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1DESCRIPTION: ADMINISTRATIVE FEES. AMOUNT: 3,429. DESCRIPTION: AUDIT FEE. AMOUNT: 4,961. TOTAL TO FORM 990-EZ, LINE 16: 8,390.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2DESCRIPTION: ADJUSTMENT TO PRIOR YEAR ENDING ACCOUNTS PAYABLE . AMOUNT: -4,640.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3DESCRIPTION: CLAIMS PAYABLE. BEG. OF YEAR AMOUNT: 7,758. END OF YEAR AMOUNT: 4,588. DESCRIPTION: ACCOUNTS PAYABLE. BEG. OF YEAR AMOUNT: 4,600. END OF YEAR AMOUNT: 10,950.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990-EZ, PART I, LINE 8 - OTHER REVENUE
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990-EZ, PART I, LINE 16 - OTHER EXPENSES
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990-EZ, PART I, LINE 20 - OTHER CHANGES IN NET ASSETS
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990-EZ, PART II, LINE 26 - OTHER LIABILITIES
TransferPrsnlBnftContractsDecl/DeclarationDesc0THE 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/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0KAREN LAFORGE
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TRUSTEE
ReturnHeader/BusinessOfficerGrp/PhoneNum08454692231
ReturnHeader/BusinessOfficerGrp/SignatureDt02021-05-03
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0CHESTER TEACHERS ASSOC BENEFIT FUND
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0ATTN KAREN LAFORGE
ReturnHeader/Filer/BusinessNameControlTxt0CHES
ReturnHeader/Filer/EIN0136955890
ReturnHeader/Filer/PhoneNum08454692231
ReturnHeader/Filer/USAddress/AddressLine1Txt064 HAMBLETONIAN AVENUE
ReturnHeader/Filer/USAddress/CityNm0CHESTER
ReturnHeader/Filer/USAddress/StateAbbreviationCd0NY
ReturnHeader/Filer/USAddress/ZIPCd010918
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0271728945
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0PKF O'CONNOR DAVIES LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt032 FOSTERTOWN ROAD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0NEWBURGH
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0NY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd012550
ReturnHeader/PreparerPersonGrp/PhoneNum08455655400
ReturnHeader/PreparerPersonGrp/PreparationDt02021-05-03
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0TRACY L BADGLEY
ReturnHeader/ReturnTs02021-05-03T10:02:21-05:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02019-07-01
ReturnHeader/TaxPeriodEndDt02020-06-30
ReturnHeader/TaxYr02019

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2020 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$254,982
Liabilities
$15,538
Net assets
$239,444
Revenue
$119,569
Expenses
$79,748
Net income
$39,821
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$4.22$0.09$4.13$1.25$0.79$0.46
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.78$0.12$3.67$1.30$1.06$0.24
2023Summary only. Only limited summary data is available for this year.$3.50$0.08$1.30$0.89$0.40
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.15$0.13$3.02$1.22$0.88$0.34
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.80$0.13$2.67$1.14$0.86$0.28
2020Detailed filing. Detailed filing data is available for this year.$2.55$0.16$2.39$1.20$0.80$0.40
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.17$0.12$2.04$1.22$0.94$0.27
2018Detailed filing. Detailed filing data is available for this year.$1.91$0.14$1.77$1.21$0.89$0.32
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.47$0.03$1.45$1.19$0.92$0.27
2016Summary only. Only limited summary data is available for this year.$1.23$0.05$1.21$0.87$0.34
2015Detailed filing. Detailed filing data is available for this year.$0.87$0.03$0.84$1.09$0.89$0.20
2014Detailed filing. Detailed filing data is available for this year.$0.69$0.04$0.65$0.92$1.18$0.26
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.99$0.07$0.92$0.93$1.22$0.29
2012Summary only. Only limited summary data is available for this year.$1.27$0.06$0.96$1.06$0.10
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.35$0.04$1.31$1.02$1.11$0.09