Liabilities / Assets
81st percentile
Higher debt load relative to assets than 81% of similar nonprofits.
EIN 20-3987980
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
Liabilities / Assets
81st percentile
Higher debt load relative to assets than 81% of similar nonprofits.
Liabilities / Revenue
22nd percentile
Higher debt load relative to revenue than 22% of similar nonprofits.
Net Margin
33rd percentile
Higher net margin than 33% of similar nonprofits.
Top Officer Pay
Score unavailable
No filing with officer or executive compensation is available for this organization yet.
Asset Growth
93rd percentile
Faster asset growth than 93% of similar nonprofits.
Revenue Growth
82nd percentile
Faster revenue growth than 82% of similar nonprofits.
Assets
Up$817,891
Up $235,761 (+40%) from 2013
Liabilities
Up$475,301
Up $251,108 (+112%) from 2013
Net Assets
Down$342,590
Down $15,347 (-4.3%) from 2013
Revenue
Up$35,591,632
Up $11,822,207 (+50%) from 2013
Expenses
Up$35,606,979
Up $11,777,187 (+49%) from 2013
Net Income
Up-$15,347
Up $45,020 (+75%) from 2013
Most recent year
2014 • Form 990Summary only. Only limited summary data is available for this year.
The latest 2014 filing currently has summary financial data only. Showing the latest detailed filing from 2012 below.
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/AccountantCompileOrReview | 0 | 0 |
| IRS990/AccountsPayableAccruedExpenses/BOY | 0 | 200089 |
| IRS990/AccountsPayableAccruedExpenses/EOY | 0 | 140269 |
| IRS990/AccountsReceivable/BOY | 0 | 565904 |
| IRS990/AccountsReceivable/EOY | 0 | 554074 |
| IRS990/ActivitiesConductedPartnership | 0 | 0 |
| IRS990/ActivityOrMissionDescription | 0 | TO PROVIDE HEALTHCARE AND RELATED BENEFITS TO ELIGIBLE PARTICIPANTS AND THEIR DEPENDENTS. |
| IRS990/AddressPrincipalOfficerUS/AddressLine1 | 0 | 4410 114TH STREET |
| IRS990/AddressPrincipalOfficerUS/City | 0 | DES MOINES |
| IRS990/AddressPrincipalOfficerUS/State | 0 | IA |
| IRS990/AddressPrincipalOfficerUS/ZIPCode | 0 | 50322 |
| IRS990/AuditCommittee | 0 | 0 |
| IRS990/BenefitsPaidToMembersCY | 0 | 26875362 |
| IRS990/BenefitsPaidToMembersPriorYear | 0 | 26570256 |
| IRS990/BenefitsToMembers/ProgramServices | 0 | 26875362 |
| IRS990/BenefitsToMembers/Total | 0 | 26875362 |
| IRS990/BsnssRltnshpThruFamilyMember | 0 | 0 |
| IRS990/BsnssRltnshpWithOrganization | 0 | 0 |
| IRS990/CapStckTrstPrinCurrentFunds/BOY | 0 | 372965 |
| IRS990/CapStckTrstPrinCurrentFunds/EOY | 0 | 418304 |
| IRS990/CashNonInterestBearing/BOY | 0 | 0 |
| IRS990/CashNonInterestBearing/EOY | 0 | 24159 |
| IRS990/ChangesToOrganizingDocs | 0 | 0 |
| IRS990/CollectionsOfArt | 0 | 0 |
| IRS990/CompensationFromOtherSources | 0 | 0 |
| IRS990/CompensationProcessCEO | 0 | 0 |
| IRS990/CompensationProcessOther | 0 | 0 |
| IRS990/ConflictOfInterestPolicy | 0 | 0 |
| IRS990/ConservationEasements | 0 | 0 |
| IRS990/ConsolidatedAuditFinancialStmt | 0 | 0 |
| IRS990/ContributionsGrantsCurrentYear | 0 | 0 |
| IRS990/ContributionsGrantsPriorYear | 0 | 0 |
| IRS990/CreditCounseling | 0 | 0 |
| IRS990/DecisionsSubjectToApproval | 0 | 0 |
| IRS990/DeductibleContributionsOfArt | 0 | 0 |
| IRS990/DeductibleNonCashContributions | 0 | 0 |
| IRS990/DelegationOfManagementDuties | 0 | 0 |
| IRS990/DescribedIn501C3 | 0 | 0 |
| IRS990/Description | 0 | PLAN PROVIDES WELFARE BENEFITS TO ELIGIBLE EMPLOYEES OF PARTICIPATING EMPLOYERS OF MERIT RESOURCES AND COMBINED AFFILIATES AND THEIR QUALIFIED SPOUSES AND DEPENDENTS. |
| IRS990/DisregardedEntity | 0 | 0 |
| IRS990/DocumentRetentionPolicy | 0 | 0 |
| IRS990/DonorAdvisedFunds | 0 | 0 |
| IRS990/DoNotFollowSFAS117 | 0 | X |
| IRS990/ElectionOfBoardMembers | 0 | 0 |
| IRS990/Expense | 0 | 26875362 |
| IRS990/FamilyOrBusinessRelationship | 0 | 0 |
| IRS990/FederalGrantAuditRequired | 0 | 0 |
| IRS990/FeesForServicesAccounting/ManagementAndGeneral | 0 | 21250 |
| IRS990/FeesForServicesAccounting/Total | 0 | 21250 |
| IRS990/FeesForServicesLegal/ManagementAndGeneral | 0 | 8075 |
| IRS990/FeesForServicesLegal/Total | 0 | 8075 |
| IRS990/FeesForServicesOther/ManagementAndGeneral | 0 | 500447 |
| IRS990/FeesForServicesOther/Total | 0 | 500447 |
| IRS990/ForeignActivities | 0 | 0 |
| IRS990/ForeignFinancialAccount | 0 | 0 |
| IRS990/ForeignOffice | 0 | 0 |
| IRS990/Form8282PropertyDisposedOf | 0 | 0 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 0 | 0.00 |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 0 | X |
| IRS990/Form990PartVIISectionA/NamePerson | 0 | JOEL DUNCAN |
| IRS990/Form990PartVIISectionA/OtherCompensation | 0 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 0 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 0 | 0 |
| IRS990/Form990PartVIISectionA/Title | 0 | TRUSTEE |
| IRS990/Form990ProvidedToGoverningBody | 0 | 1 |
| IRS990/FormersListed | 0 | 0 |
| IRS990/FSAudited | 0 | 1 |
| IRS990/FSAuditedBasis/FinancialStatementSeparate | 0 | X |
| IRS990/FundraisingActivities | 0 | 0 |
| IRS990/FundsToPayPremiums | 0 | 0 |
| IRS990/Gaming | 0 | 0 |
| IRS990/GrantsAndSimilarAmntsCY | 0 | 0 |
| IRS990/GrantsAndSimilarAmntsPriorYear | 0 | 0 |
| IRS990/GrantsToIndividuals | 0 | 0 |
| IRS990/GrantsToOrganizations | 0 | 0 |
| IRS990/GrantToRelatedPerson | 0 | 0 |
| IRS990/GrossReceipts | 0 | 28024089 |
| IRS990/GroupReturnForAffiliates | 0 | 0 |
| IRS990/Hospital | 0 | 0 |
| IRS990/IndependentAuditFinancialStmt | 0 | 1 |
| IRS990/IndoorTanningServices | 0 | 0 |
| IRS990/InfoInScheduleOPartVI | 0 | X |
| IRS990/InvestmentIncomeCurrentYear | 0 | 0 |
| IRS990/InvestmentIncomePriorYear | 0 | 0 |
| IRS990/InvestmentInJointVenture | 0 | 0 |
| IRS990/LoanToOfficerOrDQP | 0 | 0 |
| IRS990/LocalChapters | 0 | 0 |
| IRS990/MaterialDiversionOrMisuse | 0 | 0 |
| IRS990/MembersOrStockholders | 0 | 0 |
| IRS990/MethodOfAccountingAccrual | 0 | X |
| IRS990/MinutesOfCommittees | 0 | 0 |
| IRS990/MinutesOfGoverningBody | 0 | 1 |
| IRS990/MissionDescription | 0 | TO PROVIDE HEALTHCARE AND RELATED BENEFITS TO ELIBIBLE PARTICIPANTS AND THEIR DEPENDENTS. |
| IRS990/MoreThan5000KToIndividuals | 0 | 0 |
| IRS990/MoreThan5000KToOrganizations | 0 | 0 |
| IRS990/NameOfPrincipalOfficerPerson | 0 | MELISSA NESS |
| IRS990/NbrIndependentVotingMembers | 0 | 1 |
| IRS990/NbrVotingGoverningBodyMembers | 0 | 1 |
| IRS990/NbrVotingMembersGoverningBody | 0 | 1 |
| IRS990/NetAssetsOrFundBalancesBOY | 0 | 372965 |
| IRS990/NetAssetsOrFundBalancesEOY | 0 | 418304 |
| IRS990/NetUnrelatedBusinessTxblIncome | 0 | 0 |
| IRS990/NoListedPersonsCompensated | 0 | X |
| IRS990/NonDeductibleContributions | 0 | 0 |
| IRS990/NumberFormsTransmittedWith1096 | 0 | 0 |
| IRS990/NumberIndependentVotingMembers | 0 | 1 |
| IRS990/NumberIndividualsGT100K | 0 | 0 |
| IRS990/NumberOfContractorsGT100K | 0 | 0 |
| IRS990/NumberOfEmployees | 0 | 0 |
| IRS990/NumberW2GIncluded | 0 | 0 |
| IRS990/OfficeExpenses/ManagementAndGeneral | 0 | 58943 |
| IRS990/OfficeExpenses/Total | 0 | 58943 |
| IRS990/OfficerEntityWithBsnssRltnshp | 0 | 0 |
| IRS990/OfficerMailingAddress | 0 | 0 |
| IRS990/Organization501c | 0 | X |
| IRS990/OtherExpensePriorYear | 0 | 978996 |
| IRS990/OtherExpensesCurrentYear | 0 | 1103388 |
| IRS990/OtherExpenses/Description | 0 | MANAGEMENT FEE |
| IRS990/OtherExpenses/ManagementAndGeneral | 0 | 479277 |
| IRS990/OtherExpenses/Total | 0 | 479277 |
| IRS990/OtherLiabilities/BOY | 0 | 40404 |
| IRS990/OtherLiabilities/EOY | 0 | 39151 |
| IRS990/OtherRevenueCurrentYear | 0 | 0 |
| IRS990/OtherRevenuePriorYear | 0 | 0 |
| IRS990/PaidInCapSrplsLandBldgEqpFund/BOY | 0 | 0 |
| IRS990/PaidInCapSrplsLandBldgEqpFund/EOY | 0 | 0 |
| IRS990/PartialLiquidation | 0 | 0 |
| IRS990/PoliticalActivities | 0 | 0 |
| IRS990/PremiumsPaid | 0 | 0 |
| IRS990/PrepaidExpensesDeferredCharges/BOY | 0 | 47554 |
| IRS990/PrepaidExpensesDeferredCharges/EOY | 0 | 19491 |
| IRS990/ProfessionalFundraising | 0 | 0 |
| IRS990/ProgramServiceRevenue/BusinessCode | 0 | 541900 |
| IRS990/ProgramServiceRevenue/BusinessCode | 1 | 541900 |
| IRS990/ProgramServiceRevenueCY | 0 | 28024089 |
| IRS990/ProgramServiceRevenue/Description | 0 | PARTICIPATING EMPLOYERS-INSURANCE |
| IRS990/ProgramServiceRevenue/Description | 1 | PARTICIPANTS-INSURANCE PREMIUMS |
| IRS990/ProgramServiceRevenuePriorYear | 0 | 27845359 |
| IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome | 0 | 17671757 |
| IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome | 1 | 10352332 |
| IRS990/ProgramServiceRevenue/TotalRevenueColumn | 0 | 17671757 |
| IRS990/ProgramServiceRevenue/TotalRevenueColumn | 1 | 10352332 |
| IRS990/ProhibitedTaxShelterTrans | 0 | 0 |
| IRS990/QuidProQuoContributions | 0 | 0 |
| IRS990/ReconcilationOtherChanges | 0 | 0 |
| IRS990/ReconcilationRevenueExpenses | 0 | 45339 |
| IRS990/RelatedEntity | 0 | 0 |
| IRS990/RelatedOrgControlledEntity | 0 | 0 |
| IRS990/ReportFin48Footnote | 0 | 1 |
| IRS990/ReportInvestOthSecurities | 0 | 0 |
| IRS990/ReportLandBldgEquip | 0 | 0 |
| IRS990/ReportOtherAssets | 0 | 0 |
| IRS990/ReportOtherLiabilities | 0 | 1 |
| IRS990/ReportProgRelInvest | 0 | 0 |
| IRS990/RetainedEarningsEndowmentEtc/BOY | 0 | 0 |
| IRS990/RetainedEarningsEndowmentEtc/EOY | 0 | 0 |
| IRS990/Revenue | 0 | 28024089 |
| IRS990/RevenuesLessExpensesCY | 0 | 45339 |
| IRS990/RevenuesLessExpensesPriorYear | 0 | 296107 |
| IRS990/SalariesEtcCurrentYear | 0 | 0 |
| IRS990/SalariesEtcPriorYear | 0 | 0 |
| IRS990/ScheduleBRequired | 0 | 0 |
| IRS990ScheduleD/ExpensesNotRptdF990 | 0 | 0 |
| IRS990ScheduleD/ExpensesNotRptdOnFinStmt | 0 | 0 |
| IRS990ScheduleD/ExpensesSubtotal | 0 | 27978750 |
| IRS990ScheduleD/FootnoteInPartXIII | 0 | X |
| IRS990ScheduleD/Form990ScheduleDPartXIII/Explanation | 0 | ACCOUNTING PRINCIPLES GENERALLY ACCEPTED IN THE UNITED STATES OF AMERICA REQUIRE PLAN MANAGEMENT TO EVALUATE TAX POSITIONS TAKEN BY THE PLAN AND RECOGNIZE A TAX LIABILITY IF IT HAS TAKEN AN UNCERTAIN POSITION THAT MORE LIKELY THAN NOT WOULD NOT BE SUSTAINED UPON EXAMINATION BY THE IRS. THE PLAN IS SUBJECT TO ROUTINE AUDITS BY TAXING JURISDICTIONS, AND THE PLAN IS CURRENTLY UNDER IRS EXAMINATION FOR THE TAX YEAR 2010. THE PLAN ADMINISTRATOR BELIEVES IT IS NO LONGER SUBJECT TO INCOME TAX EXAMINATIONS FOR YEARS PRIOR TO 2009. |
| IRS990ScheduleD/Form990ScheduleDPartXIII/Identifier | 0 | DESCRIPTION OF UNCERTAIN TAX POSITIONS UNDER FIN 48: |
| IRS990ScheduleD/Form990ScheduleDPartXIII/ReturnReference | 0 | PART X, LINE 2: |
| IRS990ScheduleD/OtherLiabilities/Amount | 0 | 39151 |
| IRS990ScheduleD/OtherLiabilities/Description | 0 | FLEX ACCOUNT DEPOSITS |
| IRS990ScheduleD/RevenueNotRptdF990 | 0 | 0 |
| IRS990ScheduleD/RevenueNotRptdOnFinStmt | 0 | 0 |
| IRS990ScheduleD/RevenueSubtotal | 0 | 28024089 |
| IRS990ScheduleD/TotalExpensesPerForm990 | 0 | 27978750 |
| IRS990ScheduleD/TotalOfAmounts | 0 | 39151 |
| IRS990ScheduleD/TotalOfBookValueLandBuildings | 0 | 0 |
| IRS990ScheduleD/TotalRevenuePerForm990 | 0 | 28024089 |
| IRS990ScheduleD/TotExpensesEtcAuditedFinclStmt | 0 | 27978750 |
| IRS990ScheduleD/TotRevenueEtcAuditedFinclStmt | 0 | 28024089 |
| IRS990/ScheduleJRequired | 0 | 0 |
| IRS990ScheduleO/GeneralExplanation/Explanation | 0 | THE ORGANIZATION DID NOT HAVE COMMITTEES. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 1 | IT IS REVIEWED BY THE TRUSTEE OF THE ORGANIZATION AND THE CFO OF MERIT RESOURCES, INC. BEFORE BEING FILED. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 2 | THE DOCUMENTS ARE AVAILABLE UPON REQUEST. |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 0 | FORM 990, PART VI, SECTION A, LINE 8B |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 1 | FORM 990, PART VI, SECTION B, LINE 11 |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 2 | FORM 990, PART VI, SECTION C, LINE 19 |
| IRS990/ScheduleORequired | 0 | 1 |
| IRS990/School | 0 | 0 |
| IRS990/SignificantChange | 0 | 0 |
| IRS990/SignificantNewProgramServices | 0 | 0 |
| IRS990/StateLegalDomicile | 0 | IA |
| IRS990/SubjectToProxyTax | 0 | 0 |
| IRS990/TaxablePartyNotification | 0 | 0 |
| IRS990/TaxExemptBonds | 0 | 0 |
| IRS990/Terminated | 0 | 0 |
| IRS990/TermOrPermanentEndowments | 0 | 0 |
| IRS990/TheBooksAreInCareOf/AddressUS/AddressLine1 | 0 | 4410 114TH STREET |
| IRS990/TheBooksAreInCareOf/AddressUS/City | 0 | DES MOINES |
| IRS990/TheBooksAreInCareOf/AddressUS/State | 0 | IA |
| IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode | 0 | 50322 |
| IRS990/TheBooksAreInCareOf/NameBusiness/BusinessNameLine1 | 0 | MERIT RESOURCES INC |
| IRS990/TheBooksAreInCareOf/TelephoneNumber | 0 | 5152768736 |
| IRS990/TotalAssets/BOY | 0 | 613458 |
| IRS990/TotalAssetsBOY | 0 | 613458 |
| IRS990/TotalAssets/EOY | 0 | 597724 |
| IRS990/TotalAssetsEOY | 0 | 597724 |
| IRS990/TotalCompGT150K | 0 | 0 |
| IRS990/TotalExpensesCurrentYear | 0 | 27978750 |
| IRS990/TotalExpensesPriorYear | 0 | 27549252 |
| IRS990/TotalFunctionalExpenses/Fundraising | 0 | 0 |
| IRS990/TotalFunctionalExpenses/ManagementAndGeneral | 0 | 1103388 |
| IRS990/TotalFunctionalExpenses/ProgramServices | 0 | 26875362 |
| IRS990/TotalFunctionalExpenses/Total | 0 | 27978750 |
| IRS990/TotalFundrsngExpCurrentYear | 0 | 0 |
| IRS990/TotalGrossUBI | 0 | 0 |
| IRS990/TotalLiabilities/BOY | 0 | 240493 |
| IRS990/TotalLiabilitiesBOY | 0 | 240493 |
| IRS990/TotalLiabilities/EOY | 0 | 179420 |
| IRS990/TotalLiabilitiesEOY | 0 | 179420 |
| IRS990/TotalLiabNetAssetsFundBalances/BOY | 0 | 613458 |
| IRS990/TotalLiabNetAssetsFundBalances/EOY | 0 | 597724 |
| IRS990/TotalNbrEmployees | 0 | 0 |
| IRS990/TotalNbrVolunteers | 0 | 0 |
| IRS990/TotalNetAssetsFundBalances/BOY | 0 | 372965 |
| IRS990/TotalNetAssetsFundBalances/EOY | 0 | 418304 |
| IRS990/TotalOtherCompensation | 0 | 0 |
| IRS990/TotalProfFundrsngExpCY | 0 | 0 |
| IRS990/TotalProfFundrsngExpPriorYear | 0 | 0 |
| IRS990/TotalProgramServiceExpense | 0 | 26875362 |
| IRS990/TotalProgramServiceRevenue | 0 | 28024089 |
| IRS990/TotalReportableCompFrmRltdOrgs | 0 | 0 |
| IRS990/TotalReportableCompFromOrg | 0 | 0 |
| IRS990/TotalRevenueCurrentYear | 0 | 28024089 |
| IRS990/TotalRevenue/ExclusionAmount | 0 | 0 |
| IRS990/TotalRevenuePriorYear | 0 | 27845359 |
| IRS990/TotalRevenue/RelatedOrExemptFunctionIncome | 0 | 28024089 |
| IRS990/TotalRevenue/TotalRevenueColumn | 0 | 28024089 |
| IRS990/TotalRevenue/UnrelatedBusinessRevenue | 0 | 0 |
| IRS990/Travel/ManagementAndGeneral | 0 | 35396 |
| IRS990/Travel/Total | 0 | 35396 |
| IRS990/TypeOfOrganizationTrust | 0 | X |
| IRS990/UnrelatedBusinessIncome | 0 | 0 |
| IRS990/UponRequest | 0 | X |
| IRS990/WebSite | 0 | N/A |
| IRS990/WhistleblowerPolicy | 0 | 0 |
| IRS990/YearFormation | 0 | 2006 |
| ReturnHeader/BuildTS | 0 | 2016-02-24 21:20:13Z |
| ReturnHeader/Filer/EIN | 0 | 203987980 |
| ReturnHeader/Filer/Name/BusinessNameLine1 | 0 | MERIT RESOURCES WELFARE BENEFIT PLAN |
| ReturnHeader/Filer/NameControl | 0 | MERI |
| ReturnHeader/Filer/Phone | 0 | 5152768736 |
| ReturnHeader/Filer/USAddress/AddressLine1 | 0 | 4410 114TH STREET |
| ReturnHeader/Filer/USAddress/City | 0 | DES MOINES |
| ReturnHeader/Filer/USAddress/State | 0 | IA |
| ReturnHeader/Filer/USAddress/ZIPCode | 0 | 50322 |
| ReturnHeader/Officer/AuthorizeThirdParty | 0 | 1 |
| ReturnHeader/Officer/DateSigned | 0 | 2013-11-05 |
| ReturnHeader/Officer/Name | 0 | MELISSA NESS |
| ReturnHeader/Officer/Phone | 0 | 5152768736 |
| ReturnHeader/Officer/Title | 0 | VICE PRESIDENT-FINANCE |
| ReturnHeader/PreparerFirm/EIN | 0 | 421462849 |
| ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine1 | 0 | LWBJ LLP |
| ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine1 | 0 | 4200 UNIVERSITY AVE SUITE 410 |
| ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City | 0 | WEST DES MOINES |
| ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State | 0 | IA |
| ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode | 0 | 50266 |
| ReturnHeader/Preparer/Name | 0 | DAVID J HOVE |
| ReturnHeader/Preparer/Phone | 0 | 5152225680 |
| ReturnHeader/ReturnType | 0 | 990 |
| ReturnHeader/TaxPeriodBeginDate | 0 | 2012-01-01 |
| ReturnHeader/TaxPeriodEndDate | 0 | 2012-12-31 |
| ReturnHeader/TaxYear | 0 | 2012 |
| ReturnHeader/Timestamp | 0 | 2013-11-11T09:13:04-06:00 |
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