Civic Intelligence

America'S Family Benefit Plans

EIN 16-0840561 • 501(c)9 • Williamsville, NY

View Organization Page

Profile

Providing welfare benefits

8205 Main Street Suite 3 4 300Williamsville, NY 14221

n/A

Siviq Scores

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

Liabilities / Assets

79th percentile

0.15x

Higher debt load relative to assets than 79% of similar nonprofits.

501(c)9 • $1M-$5M nonprofits • Source year 2024

Liabilities / Revenue

81st percentile

0.12x

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

501(c)9 • $1M-$5M nonprofits • Source year 2024

Net Margin

57th percentile

5.8%

Higher net margin than 57% of similar nonprofits.

501(c)9 • $1M-$5M nonprofits • Source year 2024

Top Officer Pay

88th percentile

$248,051

Higher top officer pay than 88% of similar nonprofits.

Top officer pay equals 6.9% of source-year revenue.

501(c)9 • $1M-$5M nonprofits • Source year 2024

Asset Growth

74th percentile

12%

Faster asset growth than 74% of similar nonprofits.

501(c)9 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Revenue Growth

31st percentile

-3.7%

Faster revenue growth than 31% of similar nonprofits.

501(c)9 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets79th percentile

Assets

Up

$2,869,966

Up $605,214 (+27%) from 2022

Liabilities

Up

$434,677

Up $10,554 (+2.5%) from 2022

Net Assets

Up

$2,435,289

Up $594,660 (+32%) from 2022

Operations
Liabilities / Revenue81st percentileNet Margin57th percentile

Revenue

Down

$3,608,877

Down $250,497 (-6.5%) from 2022

Expenses

Down

$3,398,794

Down $257,088 (-7.0%) from 2022

Net Income

Up

$210,083

Up $6,591 (+3.2%) from 2022

Trend Graphs

Balance Sheet Trend

Asset Growth74th percentile

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

$3.0M$2.0M$1.0M$0-$1.0MAssets 2011: $593,203Liabilities 2011: $1,205,977Net Assets 2011: -$612,7742011Assets 2012: $502,792Liabilities 2012: $995,471Net Assets 2012: -$492,6792012Assets 2013: $592,473Liabilities 2013: $736,186Net Assets 2013: -$143,7132013Assets 2014: $713,446Liabilities 2014: $690,648Net Assets 2014: $22,7982014Assets 2015: $431,913Liabilities 2015: $754,785Net Assets 2015: -$322,8722015Assets 2016: $154,481Liabilities 2016: $1,060,402Net Assets 2016: -$905,9212016Assets 2017: $378,432Liabilities 2017: $516,324Net Assets 2017: -$137,8922017Assets 2018: $1,063,927Liabilities 2018: $383,073Net Assets 2018: $680,8542018Assets 2019: $1,815,995Liabilities 2019: $602,500Net Assets 2019: $1,213,4952019Assets 2020: $2,033,490Liabilities 2020: $458,511Net Assets 2020: $1,574,9792020Assets 2021: $2,371,932Liabilities 2021: $605,984Net Assets 2021: $1,765,9482021Assets 2022: $2,264,752Liabilities 2022: $424,123Net Assets 2022: $1,840,6292022Assets 2024: $2,869,966Liabilities 2024: $434,677Net Assets 2024: $2,435,2892024

Highlighted filing

2024

Assets$2,869,966
Liabilities$434,677
Net Assets$2,435,289
Open 2024 Filing

Operations Trend

Revenue Growth31st percentile

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

$6.0M$4.0M$2.0M$0-$2.0MExpenses 2011: $5,697,0182011Expenses 2012: $5,435,6692012Revenue 2013: $5,515,831Expenses 2013: $5,167,127Net Income 2013: $348,7042013Revenue 2014: $5,348,162Expenses 2014: $5,162,531Net Income 2014: $185,6312014Revenue 2015: $5,243,740Expenses 2015: $5,554,356Net Income 2015: -$310,6162015Revenue 2016: $4,729,749Expenses 2016: $5,421,865Net Income 2016: -$692,1162016Revenue 2017: $4,179,028Expenses 2017: $3,660,514Net Income 2017: $518,5142017Revenue 2018: $4,398,989Expenses 2018: $3,388,143Net Income 2018: $1,010,8462018Revenue 2019: $4,261,064Expenses 2019: $3,558,617Net Income 2019: $702,4472019Revenue 2020: $4,028,100Expenses 2020: $3,889,838Net Income 2020: $138,2622020Revenue 2021: $3,961,923Expenses 2021: $3,740,661Net Income 2021: $221,2622021Revenue 2022: $3,859,374Expenses 2022: $3,655,882Net Income 2022: $203,4922022Revenue 2024: $3,608,877Expenses 2024: $3,398,794Net Income 2024: $210,0832024

Highlighted filing

2024

Revenue$3,608,877
Expenses$3,398,794
Net Income$210,083
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
$2,869,966
Liabilities
$434,677
Net assets
$2,435,289
Revenue
$3,608,877
Expenses
$3,398,794
Net income
$210,083
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.87$0.43$2.44$3.61$3.40$0.21
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.26$0.42$1.84$3.86$3.66$0.20
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.37$0.61$1.77$3.96$3.74$0.22
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.03$0.46$1.57$4.03$3.89$0.14
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.82$0.60$1.21$4.26$3.56$0.70
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.06$0.38$0.68$4.40$3.39$1.01
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.38$0.52$0.14$4.18$3.66$0.52
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.15$1.06$0.91$4.73$5.42$0.69
2015Detailed filing. Detailed filing data is available for this year.$0.43$0.75$0.32$5.24$5.55$0.31
2014Detailed filing. Detailed filing data is available for this year.$0.71$0.69$0.02$5.35$5.16$0.19
2013Detailed filing. Detailed filing data is available for this year.$0.59$0.74$0.14$5.52$5.17$0.35
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.50$1.00$0.49$5.44
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.59$1.21$0.61$5.70
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 14, 2025
Return Version
2024v5.2
Gross Receipts
$3,608,877
Mission and Program Overview

Mission

Providing welfare benefits.

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$2,233,071$2,435,289▲ $202,218
Investments in Publicly Traded Securities$1,609,981$2,319,504▲ $709,523
Savings and Temporary Cash Investments$766,542$358,190▼ $408,352
Cash and Non-Interest-Bearing Accounts$148,733$102,255▼ $46,478
Land, Buildings, and Equipment, Net$17,357$38,916▲ $21,559
Accounts Receivable$19,488--
Prepaid Expenses and Deferred Charges$10,458$10,753▲ $295
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$2,572,559$2,869,966▲ $297,407
Other Assets Total$0$40,348▲ $40,348
Liabilities
Other Liabilities$292,752$388,354▲ $95,602
Accounts Payable and Accrued Expenses$33,650$35,402▲ $1,752
Deferred Revenue$13,086$10,921▼ $2,165
Total Liabilities$339,488$434,677▲ $95,189
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,233,071$2,435,289▲ $202,218
Total Liabilities and Net Assets / Fund Balance$2,572,559$2,869,966▲ $297,407

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$38,916$13,720$52,636
Compensation and Service Providers
Top Officer Pay88th percentile

Employees

NameTitleFull / Part TimeOtherTotal
Michelle OchocinskiAsst. Admin.PT$105,394$105,394

Board Members and Trustees

NameTitle
Gordon FletcherTrustee
Robert LaughlinTrustee
Steve CappellinoTrustee
Edward PenkalskiTrustee (to April 2024)
William OchocinskiPlan Admin./sec.
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,485,984
Investment Income
$119,794
Other Revenue
$3,099
Change in Net Assets
$210,083

Audited Revenue Reconciliation

Revenue per Audited Statements
$3,594,065
Revenue Not Reported on Financial Statements
$14,812
Revenue Not Reported on Form 990
$51,470
Total Revenue per Audited Statements
$3,645,535
Total Revenue per Form 990
$3,608,877
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$211,874
Salaries, Compensation, and Employee Benefits$107,720
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members---$3,079,200
Fees for Services Other---$131,366
Other Salaries and Wages---$82,224
Information Technology---$17,545
Fees for Service Investment Mgmnt Fees---$14,812
Insurance---$11,978
Occupancy---$11,338
Other Employee Benefits---$11,289
Fees for Services Accounting---$9,258
Pension Plan Contributions---$8,301
Office Expenses---$7,583
Payroll Taxes---$5,906
Other Expenses---$1,231
All Other Expenses---$927
Depreciation Depletion---$729
Total Functional Expenses$0$0$0$3,398,794

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$3,398,794
Expenses per Audited Statements$3,383,982
Total Expenses per Audited Statements$3,383,982
Expenses Not Reported on Financial Statements$14,812
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Estimated Health Claims Incurred$207,200
DUE TO AMERICA'S FAMILY DEFINED BENEFIT PLAN$70,513
Benefit Claims Payable$68,636
Operating Lease Liability$40,348
Insurance Premiums Payable$1,657
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Audit committee
Yes
Backup withholding compliance
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
Yes
Other officer compensation reviewed
Yes
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, Part VI, Section A, Line 2

“Michelle ochocinski is the spouse of william ochocinski.”

Form 990, Part VI, Section A, Line 8B

“The board of directors has only one objective and that is the oversight and administration of the welfare benefits of its members. No sub committees exist.”

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

“Board reviews the 990 at the next meeting after the return is final.”

Form 990, Part VI, Section B, Line 15

“Compensation is reviewed and approved by the board based on performance.”

Form 990, Part VI, Section C, Line 19

“AS REQUESTED.”

FORM 990, PART VII, LINE 1A:

“Wages and benefits are paid by "america's family defined benefit fund", a related party; the organization reimburses the defined benefit fund for their portion of the expenses.”

Filing and Contact Details

Filer

Filer Name
AMERICA'S FAMILY HEALTH & WELFARE FUND
EIN
16-0840561
Phone
7166312210
Address
8205 MAIN STREET SUITE 3 4 300, WILLIAMSVILLE, NY 14221

Signing Officer

Name
William Ochocinski
Title
Plan Admin./sec.
Phone
7166312210
Signed
2025-11-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
William Ochocinski
Formed
1985
Legal Domicile
Ny
Voting Board Members
3
Independent Board Members
3
Employees
0
Volunteers
0

Preparer

Firm
Efpr Advisory LLC
Address
6390 MAIN STREET SUITE 200, WILLIAMSVILLE, NY 14221
Preparer
David a Urban CPA
Phone
7166340700
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Change in benefit obligation -59,335.”

FORM 990, PART XII, LINE 2C:

“No changes have occurred in the audit oversight or independent accountant selection processes during the fiscal year ended december 31, 2024.”

Financial Statement Notes

PART X, LINE 2:

“The trust established to hold the fund's assets is intended to qualify pursuant to section 501(c)(9) of the internal revenue code (irc), and, accordingly, the trust's net investment income is exempt from income taxes. The trust has obtained a favorable tax determination letter dated september 20, 2002, from the internal revenue service (irs), and the fund sponsor believes that the trust, as amended, continues to qualify and to operate in accordance with applicable provisions of the irc. Accounting principles generally accepted in the united states of america require 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 and the department of labor; however, there are currently no audits for any tax periods in progress.”

Raw XML AppendixShowing 400 of 436 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/BOYAmt033650
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt035402
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IRS990/ActivitiesConductedPrtshpInd00
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IRS990/AllOtherExpensesGrp/TotalAmt0927
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BenefitsToMembersGrp/TotalAmt03079200
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0FUND TRUSTEES
IRS990/BooksInCareOfDetail/PhoneNum07166312210
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt035 GEORGE KARL BOULEVARD
IRS990/BooksInCareOfDetail/USAddress/CityNm0WILLIAMSVILLE
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0NY
IRS990/BooksInCareOfDetail/USAddress/ZIPCd014221
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IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt0148733
IRS990/CashNonInterestBearingGrp/EOYAmt0102255
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompensationFromOtherSrcsInd00
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IRS990/CompensationProcessOtherInd01
IRS990/ConflictOfInterestPolicyInd00
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
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IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0119794
IRS990/CYOtherExpensesAmt0211874
IRS990/CYOtherRevenueAmt03099
IRS990/CYProgramServiceRevenueAmt03485984
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IRS990/CYSalariesCompEmpBnftPaidAmt0107720
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IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt03608877
IRS990/DecisionsSubjectToApprovaInd00
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DeferredRevenueGrp/BOYAmt013086
IRS990/DeferredRevenueGrp/EOYAmt010921
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt0729
IRS990/Desc0PROVISION OF HOSPITAL, MEDICAL, DENTAL, GROUP LIFE INSURANCE, AND DISABILITY BENEFITS TO COVERED EMPLOYEES.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd00
IRS990/EmployeeCnt00
IRS990/ExpenseAmt03079200
IRS990/FamilyOrBusinessRlnInd01
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IRS990/FeesForServicesAccountingGrp/TotalAmt09258
IRS990/FeesForServicesOtherGrp/TotalAmt0131366
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt014812
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
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IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt435351
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt519922
IRS990/Form990PartVIISectionAGrp/PersonNm0EDWARD PENKALSKI
IRS990/Form990PartVIISectionAGrp/PersonNm1ROBERT LAUGHLIN
IRS990/Form990PartVIISectionAGrp/PersonNm2STEVE CAPPELLINO
IRS990/Form990PartVIISectionAGrp/PersonNm3GORDON FLETCHER
IRS990/Form990PartVIISectionAGrp/PersonNm4WILLIAM OCHOCINSKI
IRS990/Form990PartVIISectionAGrp/PersonNm5MICHELLE OCHOCINSKI
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IRS990/Form990PartVIISectionAGrp/TitleTxt0TRUSTEE (TO APRIL 2024)
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IRS990/Form990PartVIISectionAGrp/TitleTxt2TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt3TRUSTEE
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IRS990/Form990PartVIISectionAGrp/TitleTxt5ASST. ADMIN.
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IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
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IRS990/OtherChangesInNetAssetsAmt0-59335
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IRS990/OtherExpensesGrp/Desc0AUTO EXPENSES
IRS990/OtherExpensesGrp/Desc1TELEPHONE
IRS990/OtherExpensesGrp/Desc2REPAIRS & MAINTENANCE
IRS990/OtherExpensesGrp/Desc3OTHER EXP
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IRS990/OtherRevenueMiscGrp/Desc0MISCELLANEOUS
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IRS990/OtherRevenueTotalAmt03099
IRS990/OtherSalariesAndWagesGrp/TotalAmt082224
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt05906
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt08301
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt010458
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt010753
IRS990/PrincipalOfficerNm0WILLIAM OCHOCINSKI
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0525100
IRS990/ProgramServiceRevenueGrp/BusinessCd1525100
IRS990/ProgramServiceRevenueGrp/Desc0EMPLOYER CONTRIBUTIONS
IRS990/ProgramServiceRevenueGrp/Desc1MEMBER DIRECT CONTRIBUTIONS
IRS990/ProgramServiceRevenueGrp/ExclusionAmt03291017
IRS990/ProgramServiceRevenueGrp/ExclusionAmt1194967
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt03291017
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1194967
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt03229963
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt071772
IRS990/PYOtherExpensesAmt0194024
IRS990/PYOtherRevenueAmt0457
IRS990/PYProgramServiceRevenueAmt03675487
IRS990/PYRevenuesLessExpensesAmt0217859
IRS990/PYSalariesCompEmpBnftPaidAmt0105870
IRS990/PYTotalExpensesAmt03529857
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt03747716
IRS990/QuidProQuoContributionsInd00
IRS990/ReconcilationRevenueExpnssAmt0210083
IRS990/RelatedEntityInd01
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt03485984
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt02233071
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt02435289
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0766542
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0358190
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/EquipmentGrp/BookValueAmt038916
IRS990ScheduleD/EquipmentGrp/DepreciationAmt013720
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt052636
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt014812
IRS990ScheduleD/ExpensesSubtotalAmt03383982
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InvestmentExpensesNotIncld2Amt014812
IRS990ScheduleD/InvestmentExpensesNotIncldAmt014812
IRS990ScheduleD/NetUnrealizedGainsInvstAmt051470
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt068636
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt170513
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2207200
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt31657
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt440348
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0BENEFIT CLAIMS PAYABLE
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1DUE TO AMERICA'S FAMILY DEFINED BENEFIT PLAN
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2ESTIMATED HEALTH CLAIMS INCURRED
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3INSURANCE PREMIUMS PAYABLE
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4OPERATING LEASE LIABILITY
IRS990ScheduleD/RevenueNotReportedAmt051470
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt014812
IRS990ScheduleD/RevenueSubtotalAmt03594065
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE TRUST ESTABLISHED TO HOLD THE FUND'S ASSETS IS INTENDED TO QUALIFY PURSUANT TO SECTION 501(C)(9) OF THE INTERNAL REVENUE CODE (IRC), AND, ACCORDINGLY, THE TRUST'S NET INVESTMENT INCOME IS EXEMPT FROM INCOME TAXES. THE TRUST HAS OBTAINED A FAVORABLE TAX DETERMINATION LETTER DATED SEPTEMBER 20, 2002, FROM THE INTERNAL REVENUE SERVICE (IRS), AND THE FUND SPONSOR BELIEVES THAT THE TRUST, AS AMENDED, CONTINUES TO QUALIFY AND TO OPERATE IN ACCORDANCE WITH APPLICABLE PROVISIONS OF THE IRC. ACCOUNTING PRINCIPLES GENERALLY ACCEPTED IN THE UNITED STATES OF AMERICA REQUIRE 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 AND THE DEPARTMENT OF LABOR; HOWEVER, THERE ARE CURRENTLY NO AUDITS FOR ANY TAX PERIODS IN PROGRESS.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt038916
IRS990ScheduleD/TotalExpensesPerForm990Amt03398794
IRS990ScheduleD/TotalLiabilityAmt0388354
IRS990ScheduleD/TotalRevenuePerForm990Amt03608877
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt03645535
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt03383982
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt0212700
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt022838
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt012513
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0WILLIAM OCHOCINSKI
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PLAN ADMIN./SEC.
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt0248051
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990ScheduleJ/WrittenEmploymentContractInd0X
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0MICHELLE OCHOCINSKI IS THE SPOUSE OF WILLIAM OCHOCINSKI.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE BOARD OF DIRECTORS HAS ONLY ONE OBJECTIVE AND THAT IS THE OVERSIGHT AND ADMINISTRATION OF THE WELFARE BENEFITS OF ITS MEMBERS. NO SUB COMMITTEES EXIST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2BOARD REVIEWS THE 990 AT THE NEXT MEETING AFTER THE RETURN IS FINAL.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3COMPENSATION IS REVIEWED AND APPROVED BY THE BOARD BASED ON PERFORMANCE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4AS REQUESTED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5WAGES AND BENEFITS ARE PAID BY "AMERICA'S FAMILY DEFINED BENEFIT FUND", A RELATED PARTY; THE ORGANIZATION REIMBURSES THE DEFINED BENEFIT FUND FOR THEIR PORTION OF THE EXPENSES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6CHANGE IN BENEFIT OBLIGATION -59,335.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7NO CHANGES HAVE OCCURRED IN THE AUDIT OVERSIGHT OR INDEPENDENT ACCOUNTANT SELECTION PROCESSES DURING THE FISCAL YEAR ENDED DECEMBER 31, 2024.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 8B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VII, LINE 1A:
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART XI, LINE 9:
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART XII, LINE 2C:
IRS990ScheduleR/AssetExchangeInd00
IRS990ScheduleR/AssetPurchaseFromOtherOrgInd00
IRS990ScheduleR/AssetSaleToOtherOrgInd00
IRS990ScheduleR/DivRelatedOrganizationInd00
IRS990ScheduleR/GiftGrntCapContriFromOthOrgInd00
IRS990ScheduleR/GiftGrntOrCapContriToOthOrgInd00
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ControlledOrganizationInd00
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ControlledOrganizationInd10
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DirectControllingNACd0N/A
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DirectControllingNACd1N/A
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt0AMERICA'S FAMILY DEFINED BENEFIT PLAN
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt1AMERICA'S FAMILY 401(K) PLAN
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/EIN0166103576
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/EIN1161548854
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ExemptCodeSectionTxt0501(C)(9)
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ExemptCodeSectionTxt1501(C)(9)
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/LegalDomicileStateCd0NY
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/LegalDomicileStateCd1NY
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PrimaryActivitiesTxt0PENSION PLAN
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PrimaryActivitiesTxt1PENSION PLAN
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/AddressLine1Txt08205 MAIN STREET SUITE 3
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/AddressLine1Txt18205 MAIN STREET SUITE 3
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/CityNm0WILLIAMSVILLE
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/CityNm1WILLIAMSVILLE
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/StateAbbreviationCd0NY
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/StateAbbreviationCd1NY
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/ZIPCd014221
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/ZIPCd114221
IRS990ScheduleR/LoansOrGuaranteesFromOthOrgInd01
IRS990ScheduleR/LoansOrGuaranteesToOtherOrgInd00
IRS990ScheduleR/PaidEmployeesSharingInd00
IRS990ScheduleR/PerformOfServicesByOtherOrgInd00
IRS990ScheduleR/PerformOfServicesForOthOrgInd00
IRS990ScheduleR/ReceiptOfIntAnntsRntsRyltsInd00
IRS990ScheduleR/ReimbursementPaidByOtherOrgInd00
IRS990ScheduleR/ReimbursementPaidToOtherOrgInd01
IRS990ScheduleR/RentalOfFacilitiesToOthOrgInd00
IRS990ScheduleR/RentalOfFcltsFromOthOrgInd00
IRS990ScheduleR/SharingOfFacilitiesInd00
IRS990ScheduleR/TransactionsRelatedOrgGrp/InvolvedAmt070513
IRS990ScheduleR/TransactionsRelatedOrgGrp/InvolvedAmt111338
IRS990ScheduleR/TransactionsRelatedOrgGrp/MethodOfAmountDeterminationTxt0COST
IRS990ScheduleR/TransactionsRelatedOrgGrp/MethodOfAmountDeterminationTxt1COST
IRS990ScheduleR/TransactionsRelatedOrgGrp/OtherOrganizationName/BusinessNameLine1Txt0AMERICA'S FAMILY DEFINED BENEFIT PLAN
IRS990ScheduleR/TransactionsRelatedOrgGrp/OtherOrganizationName/BusinessNameLine1Txt1AMERICA'S FAMILY DEFINED BENEFIT PLAN
IRS990ScheduleR/TransactionsRelatedOrgGrp/TransactionTypeTxt0E
IRS990ScheduleR/TransactionsRelatedOrgGrp/TransactionTypeTxt1P
IRS990ScheduleR/TransferFromOtherOrgInd00
IRS990ScheduleR/TransferToOtherOrgInd00
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt02572559
IRS990/TotalAssetsEOYAmt02869966
IRS990/TotalAssetsGrp/BOYAmt02572559
IRS990/TotalAssetsGrp/EOYAmt02869966
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt03398794
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0339488
IRS990/TotalLiabilitiesEOYAmt0434677
IRS990/TotalLiabilitiesGrp/BOYAmt0339488
IRS990/TotalLiabilitiesGrp/EOYAmt0434677
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02233071
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02435289
IRS990/TotalOtherCompensationAmt055273
IRS990/TotalProgramServiceExpensesAmt03079200
IRS990/TotalProgramServiceRevenueAmt03485984
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt03608877
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt03608877
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt02572559
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt02869966
IRS990/TotReportableCompRltdOrgAmt0298172
IRS990/TypeOfOrganizationTrustInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt08205 MAIN STREET SUITE 3 4 300

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