Civic Intelligence

Heavy & General Laborers Local 472 & Local 172 of New Jersey Welfare Fund

990 • Fiscal year 2017 • EIN 22-1481564

Apr 01, 2016 to Mar 31, 2017 • Filed on Nov 08, 2017

Organization ProfileN/A

View Organization Page

700 Raymond BoulevardNewark, NJ 07105

(973) 589-5050

Siviq Scores

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

Liabilities / Assets

71st percentile

0.15x

Higher debt load relative to assets than 71% of similar nonprofits.

2017 filings • 501(c)9 • $250M-$1B nonprofits • Source year 2017

Liabilities / Revenue

79th percentile

0.20x

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

2017 filings • 501(c)9 • $250M-$1B nonprofits • Source year 2017

Net Margin

59th percentile

10%

Higher net margin than 59% of similar nonprofits.

2017 filings • 501(c)9 • $250M-$1B nonprofits • Source year 2017

Top Officer Pay

73rd percentile

$275,408

Higher top officer pay than 73% of similar nonprofits.

Top officer pay equals 0.2% of source-year revenue.

2017 filings • 501(c)9 • $250M-$1B nonprofits • Source year 2017

Asset Growth

52nd percentile

10%

Faster asset growth than 52% of similar nonprofits.

2017 filings • 501(c)9 • $250M-$1B nonprofits • Annualized from 2016 to 2017

Revenue Growth

31st percentile

1.9%

Faster revenue growth than 31% of similar nonprofits.

2017 filings • 501(c)9 • $250M-$1B nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets71st percentile

Assets

Up

$198,561,133

Up $18,550,114 (+10%) from 2016

Net Assets

Up

$168,178,552

Up $20,155,732 (+14%) from 2016

Liabilities

Down

$30,382,581

Down $1,605,618 (-5.0%) from 2016

Revenue And Expenses
Liabilities / Revenue79th percentileNet Margin59th percentile

Revenue

Up

$150,652,337

Up $2,782,937 (+1.9%) from 2016

Expenses

Up

$135,586,101

Up $6,080,878 (+4.7%) from 2016

Net Income

Down

$15,066,236

Down $3,297,941 (-18%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth52nd percentile

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

$400M$300M$200M$100M$0Assets 2011: $103,250,511Liabilities 2011: $21,238,250Net Assets 2011: $82,012,2612011Assets 2012: $115,449,784Liabilities 2012: $26,119,793Net Assets 2012: $89,329,9912012Assets 2013: $127,617,691Liabilities 2013: $25,048,296Net Assets 2013: $102,569,3952013Assets 2014: $150,547,956Liabilities 2014: $33,308,728Net Assets 2014: $117,239,2282014Assets 2015: $159,527,617Liabilities 2015: $26,993,997Net Assets 2015: $132,533,6202015Assets 2016: $180,011,019Liabilities 2016: $31,988,199Net Assets 2016: $148,022,8202016Assets 2017: $198,561,133Liabilities 2017: $30,382,581Net Assets 2017: $168,178,5522017Assets 2018: $213,593,487Liabilities 2018: $31,804,682Net Assets 2018: $181,788,8052018Assets 2019: $247,131,074Liabilities 2019: $41,178,702Net Assets 2019: $205,952,3722019Assets 2020: $270,617,489Liabilities 2020: $42,603,482Net Assets 2020: $228,014,0072020Assets 2021: $303,259,607Liabilities 2021: $40,645,937Net Assets 2021: $262,613,6702021Assets 2022: $313,433,739Liabilities 2022: $47,450,752Net Assets 2022: $265,982,9872022Assets 2023: $320,028,510Liabilities 2023: $51,509,066Net Assets 2023: $268,519,4442023Assets 2024: $350,203,696Liabilities 2024: $54,886,490Net Assets 2024: $295,317,2062024Assets 2025: $367,808,806Liabilities 2025: $48,509,313Net Assets 2025: $319,299,4932025

Highlighted filing

2017

Assets$198,561,133
Liabilities$30,382,581
Net Assets$168,178,552
Open 2017 Filing

Operations Trend

Revenue Growth31st percentile

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

$300M$200M$100M$0Revenue 2011: $96,010,306Expenses 2011: $87,640,541Net Income 2011: $8,369,7652011Expenses 2012: $97,763,2422012Expenses 2013: $93,050,2192013Revenue 2014: $116,828,661Expenses 2014: $104,963,120Net Income 2014: $11,865,5412014Revenue 2015: $134,609,156Expenses 2015: $119,930,871Net Income 2015: $14,678,2852015Revenue 2016: $147,869,400Expenses 2016: $129,505,223Net Income 2016: $18,364,1772016Revenue 2017: $150,652,337Expenses 2017: $135,586,101Net Income 2017: $15,066,2362017Revenue 2018: $169,016,220Expenses 2018: $156,912,432Net Income 2018: $12,103,7882018Revenue 2019: $183,137,642Expenses 2019: $164,134,032Net Income 2019: $19,003,6102019Revenue 2020: $209,865,685Expenses 2020: $182,148,361Net Income 2020: $27,717,3242020Revenue 2021: $206,522,689Expenses 2021: $186,054,567Net Income 2021: $20,468,1222021Revenue 2022: $218,623,615Expenses 2022: $204,412,911Net Income 2022: $14,210,7042022Revenue 2023: $226,578,670Expenses 2023: $215,670,065Net Income 2023: $10,908,6052023Revenue 2024: $240,902,456Expenses 2024: $230,554,607Net Income 2024: $10,347,8492024Revenue 2025: $265,452,660Expenses 2025: $243,876,094Net Income 2025: $21,576,5662025

Highlighted filing

2017

Revenue$150,652,337
Expenses$135,586,101
Net Income$15,066,236
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Apr 1, 2016 to Mar 31, 2017
Signed
Nov 8, 2017
Return Version
2016v3.0
Gross Receipts
$257,070,510
Mission and Program Overview

Mission

The purpose of the plan is to provide health and other benefits to eligible participants and their dependents.

The purpose of the plan is to provide medical benefits to eligible participants and their dependents.

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$148,022,820$168,178,552▲ $20,155,732
Investments in Publicly Traded Securities$119,392,901$128,836,647▲ $9,443,746
Savings and Temporary Cash Investments$21,376,643$30,317,824▲ $8,941,181
Accounts Receivable$24,093,114$22,024,977▼ $2,068,137
Investments Other Securities$9,559,796$10,064,589▲ $504,793
Land, Buildings, and Equipment, Net$4,027,679$5,548,319▲ $1,520,640
Prepaid Expenses and Deferred Charges$1,508,884$1,768,276▲ $259,392
Cash and Non-Interest-Bearing Accounts$52,002$501▼ $51,501
Other Notes and Loans Receivable, Net-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Program Related-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$180,011,019$198,561,133▲ $18,550,114
Other Assets Total-$0-
Liabilities
Other Liabilities$28,394,718$27,044,958▼ $1,349,760
Accounts Payable and Accrued Expenses$3,534,654$3,300,717▼ $233,937
Mortgage Notes Payable Secured by Investment Property$58,827$36,906▼ $21,921
Total Liabilities$31,988,199$30,382,581▼ $1,605,618
Net Assets / Fund Balance
Total Net Assets Fund Balance$148,022,820$168,178,552▲ $20,155,732
Total Liabilities and Net Assets / Fund Balance$180,011,019$198,561,133▲ $18,550,114

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$99,398$1,211,263$1,310,661
Equipment$88,921$104,024$192,945
Buildings$5,242,171--
Land$117,829--
Compensation and Service Providers
Top Officer Pay73rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
CHARLES O'NEILLGeneral ManagerPT$199,525$70,585$275,408
Robert CalamariAsst. Genl MgrPT$192,969$70,841$262,469
Thomas CotovLegal ServicesFT$182,075$65,949$252,297
Vincent RicaardiLegal ServicesFT$163,590$64,300$232,154
Charles FernsFinance ManagerPT$143,901$63,665$205,672
Beverly CeaserClaims ManagerFT$125,138$69,689$186,606
Glenn KenyonManagerPT$119,940$66,442$184,003

Board Members and Trustees

NameTitle
Antonio OliveiraCo-chairman
FRANKLYN M GROSSO -thru 0516Co-chairman
Jack Kocsis JrCo-chairman
Anthony Capaccio - Eff 416Trustee
Charles MosierTrustee
DONALD HIBBS - thru 0416Trustee
FRANK CRISCOLA JR - eFF 716Trustee
Gerard Isabella - Eff 416Trustee
Jeffrey S WatersTrustee
Joseph WalshTrustee
Nelson Ferreira - Eff 316Trustee
RICHARD l FORMAN -thru 0316Trustee
Raymond M PocinoTrustee

Highest Paid Contractors

ContractorServicesLocationCompensation
Horizon Healthcare Services INCClaims Processor3 PENN PLAZA EAST, Newark, NJ 07105$2,702,368
Zazzalli FagellaLegal1 RIVERFRONT PLAZA, Newark, NJ 07102$414,543
Centers For Medicare And Medicaid ServicesMedicare/medicaid17500 SECURITY BOULEVARD, Baltimore, MD 21244$181,785
The Segal CompanyActuary333 WEST 34TH ST, New York, NY 10001-2402$171,240
MagnacareClaims Processor1 PENN PLAZA, New York, NY 10119$115,189
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$146,800,045
Investment Income
$3,714,501
Other Revenue
$137,791
Change in Net Assets
$15,066,236

Audited Revenue Reconciliation

Revenue per Audited Statements
$150,369,612
Revenue Not Reported on Financial Statements
$282,725
Revenue Not Reported on Form 990
$5,089,496
Total Revenue per Audited Statements
$155,459,108
Total Revenue per Form 990
$150,652,337
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$6,416,475
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0
Other Expenses$-1,034,007

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members---$130,203,633
Other Salaries and Wages---$2,996,307
Pension Plan Contributions---$1,618,428
Other Employee Benefits---$811,715
Current Officers, Directors, Trustees, and Key Employees---$540,515
Office Expenses---$488,066
Fees for Services Legal---$476,815
Payroll Taxes---$296,771
Fees for Service Investment Mgmnt Fees---$282,725
Fees for Services Other---$155,865
Comp Disqual Persons---$152,739
Information Technology---$96,856
Occupancy---$80,979
Insurance---$73,372
Fees for Services Accounting---$63,000
Depreciation Depletion---$60,998
Conferences and Meetings---$43,254
Travel---$9,225
Other Expenses---$-2,908,775
Total Functional Expenses$0$0$0$135,586,101

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$137,459,376
Total Expenses per Audited Statements$137,459,376
Total Expenses per Form 990$135,586,101
Expenses Not Reported on Financial Statements$-1,873,275
Other Expense Adjustments$-2,156,000
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
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Interested-Person Transactions

Interested PartyRelationshipDescriptionShared RevenueAmount
Theresa CalamariFamily MemberEmploymentNo$152,739

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Benefit Obligations Currently Payab$20,272,000
Severance Benefit Liability-frozen$3,379,923
Net Trades Pending Settlement$2,618,341
Due to Related Organizations$774,694
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
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
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Line 7A: How Members or Shareholders Elect Governing Body

“The plan is jointly administered by trustees who are appointed by the union and by employer associations.”

Form 990, Part VI, Line 7B: Describe Decisions of Governing Body Approval by Members or Shareholders

“An Employer Trustee may be removed from office at any time by action of the Employer Associations, or other employers, whichever selected such Employer Trustee. An Employee Trustee may be removed from office at any time by action of the Union. In both cases, written notice of such action must be submitted by the Employer Association, or Union, to the Chairman or Secretary of the trustees.”

Form 990, Part VI, Line 11B: Form 990 Review Process

“The form 990 was prepared in coordination with management of the organization and was reviewed with the organization's board of trustees prior to submission.”

Form 990, Part VI, Line 12C: Explanation of Monitoring and Enforcement of Conflicts

“As required by the fund's policy and by erisa; officers, directors, and key employees have a continuous obligation to report potential conflicts of interest. Additionally, in accordance with the fund's policy, annual affirmations are obtained from the fund administrator and all board members.”

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

“No documents available to public. Participants may view documents at the fund office upon request to the extent required by law.”

Filing and Contact Details

Filer

Filer Name
Heavy & General Laborers Local 472 &
EIN
22-1481564
Phone
9735895050
Address
700 RAYMOND BOULEVARD, NEWARK, NJ 07105

Signing Officer

Name
Robert Calamari
Title
Asst. Genl Mgr
Signed
2017-11-08
Discuss with paid preparer
Yes

Organization Details

Formed
1950
Legal Domicile
Nj
Voting Board Members
10
Independent Board Members
10
Employees
55

Preparer

Firm
Schultheis & Panettieri LLP
Address
210 Marcus Boulevard, Hauppauge, NY 11788-3740
Preparer
Carol Westfall
Phone
6312734778
Raw XML AppendixShowing 400 of 766 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/Form990PartVIISectionAGrp/TitleTxt3Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt4Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt5Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt6Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt7Trustee
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IRS990/Form990PartVIISectionAGrp/TitleTxt10Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt11Trustee
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IRS990/Form990PartVIISectionAGrp/TitleTxt13GENERAL MANAGER
IRS990/Form990PartVIISectionAGrp/TitleTxt14ASST. GENL MGR
IRS990/Form990PartVIISectionAGrp/TitleTxt15FINANCE MANAGER
IRS990/Form990PartVIISectionAGrp/TitleTxt16CLAIMS MANAGER
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Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$198,561,133
Liabilities
$30,382,581
Net assets
$168,178,552
Revenue
$150,652,337
Expenses
$135,586,101
Net income
$15,066,236
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$368$48.5$319$265$244$21.6
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$350$54.9$295$241$231$10.3
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$320$51.5$269$227$216$10.9
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$313$47.5$266$219$204$14.2
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$303$40.6$263$207$186$20.5
2020Detailed filing. Detailed filing data is available for this year.$271$42.6$228$210$182$27.7
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$247$41.2$206$183$164$19.0
2018Detailed filing. Detailed filing data is available for this year.$214$31.8$182$169$157$12.1
2017Detailed filing. Detailed filing data is available for this year.$199$30.4$168$151$136$15.1
2016Detailed filing. Detailed filing data is available for this year.$180$32.0$148$148$130$18.4
2015Detailed filing. Detailed filing data is available for this year.$160$27.0$133$135$120$14.7
2014Detailed filing. Detailed filing data is available for this year.$151$33.3$117$117$105$11.9
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$128$25.0$103$93.1
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$115$26.1$89.3$97.8
2011Summary only. Only limited summary data is available for this year.$103$21.2$82.0$96.0$87.6$8.37