Civic Intelligence

Njbls Welfare Fund

990 • Fiscal year 2013 • EIN 22-1764453

Jan 01, 2013 to Dec 31, 2013 • Filed on Oct 14, 2014

Organization ProfileN/A

View Organization Page

3218 Kennedy Blvd07306

(201) 963-0633

Siviq Scores

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

Liabilities / Assets

68th percentile

0.15x

Higher debt load relative to assets than 68% of similar nonprofits.

2013 filings • 501(c)9 • $50M-$100M nonprofits • Source year 2013

Liabilities / Revenue

79th percentile

0.22x

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

2013 filings • 501(c)9 • $50M-$100M nonprofits • Source year 2013

Net Margin

82nd percentile

29%

Higher net margin than 82% of similar nonprofits.

2013 filings • 501(c)9 • $50M-$100M nonprofits • Source year 2013

Top Officer Pay

88th percentile

$261,016

Higher top officer pay than 88% of similar nonprofits.

Top officer pay equals 0.6% of source-year revenue.

2013 filings • 501(c)9 • $50M-$100M nonprofits • Source year 2013

Asset Growth

89th percentile

27%

Faster asset growth than 89% of similar nonprofits.

2013 filings • 501(c)9 • $50M-$100M nonprofits • Annualized from 2012 to 2013

Revenue Growth

16th percentile

-5.6%

Faster revenue growth than 16% of similar nonprofits.

2013 filings • 501(c)9 • $50M-$100M nonprofits • Annualized from 2011 to 2013

Balance Sheet
Liabilities / Assets68th percentile

Assets

Up

$63,575,212

Up $13,576,434 (+27%) from 2012

Net Assets

Up

$53,795,678

Up $12,987,523 (+32%) from 2012

Liabilities

Up

$9,779,534

Up $588,911 (+6.4%) from 2012

Revenue And Expenses
Liabilities / Revenue79th percentileNet Margin82nd percentile

Revenue

$43,506,634

No earlier filing loaded for comparison.

Expenses

Down

$30,781,438

Down $1,440,622 (-4.5%) from 2012

Net Income

$12,725,196

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth89th percentile

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

$150M$100M$50M$0Assets 2010: $21,661,874Liabilities 2010: $8,546,603Net Assets 2010: $13,115,2712010Assets 2011: $37,336,630Liabilities 2011: $9,126,747Net Assets 2011: $28,209,8832011Assets 2012: $49,998,778Liabilities 2012: $9,190,623Net Assets 2012: $40,808,1552012Assets 2013: $63,575,212Liabilities 2013: $9,779,534Net Assets 2013: $53,795,6782013Assets 2014: $73,514,674Liabilities 2014: $11,302,643Net Assets 2014: $62,212,0312014Assets 2015: $80,869,114Liabilities 2015: $11,713,031Net Assets 2015: $69,156,0832015Assets 2016: $85,944,335Liabilities 2016: $14,159,094Net Assets 2016: $71,785,2412016Assets 2017: $92,173,159Liabilities 2017: $13,675,887Net Assets 2017: $78,497,2722017Assets 2018: $95,416,838Liabilities 2018: $14,357,874Net Assets 2018: $81,058,9642018Assets 2019: $105,913,819Liabilities 2019: $16,299,218Net Assets 2019: $89,614,6012019Assets 2020: $108,198,197Liabilities 2020: $13,188,402Net Assets 2020: $95,009,7952020Assets 2021: $110,871,064Liabilities 2021: $19,334,324Net Assets 2021: $91,536,7402021Assets 2022: $109,082,418Liabilities 2022: $18,789,038Net Assets 2022: $90,293,3802022Assets 2023: $116,568,226Liabilities 2023: $17,637,873Net Assets 2023: $98,930,3532023Assets 2024: $125,049,099Liabilities 2024: $19,631,416Net Assets 2024: $105,417,6832024

Highlighted filing

2013

Assets$63,575,212
Liabilities$9,779,534
Net Assets$53,795,678
Open 2013 Filing

Operations Trend

Revenue Growth16th percentile

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

$60M$40M$20M$0-$20MExpenses 2010: $42,736,0542010Revenue 2011: $48,793,455Expenses 2011: $33,663,555Net Income 2011: $15,129,9002011Expenses 2012: $32,222,0602012Revenue 2013: $43,506,634Expenses 2013: $30,781,438Net Income 2013: $12,725,1962013Revenue 2014: $43,737,011Expenses 2014: $35,776,586Net Income 2014: $7,960,4252014Revenue 2015: $46,826,382Expenses 2015: $39,555,287Net Income 2015: $7,271,0952015Revenue 2016: $43,351,999Expenses 2016: $41,499,467Net Income 2016: $1,852,5322016Revenue 2017: $46,915,555Expenses 2017: $41,378,944Net Income 2017: $5,536,6112017Revenue 2018: $46,304,385Expenses 2018: $41,267,646Net Income 2018: $5,036,7392018Revenue 2019: $48,976,223Expenses 2019: $43,636,405Net Income 2019: $5,339,8182019Revenue 2020: $42,193,271Expenses 2020: $38,390,904Net Income 2020: $3,802,3672020Revenue 2021: $43,109,332Expenses 2021: $46,342,137Net Income 2021: -$3,232,8052021Revenue 2022: $45,310,061Expenses 2022: $37,709,691Net Income 2022: $7,600,3702022Revenue 2023: $44,367,864Expenses 2023: $40,945,063Net Income 2023: $3,422,8012023Revenue 2024: $47,690,432Expenses 2024: $41,514,929Net Income 2024: $6,175,5032024

Highlighted filing

2013

Revenue$43,506,634
Expenses$30,781,438
Net Income$12,725,196
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Oct 14, 2014
Return Version
2013v3.1
Gross Receipts
$46,082,337
Mission and Program Overview

Mission

To provide health and other benefits to eligible participants.

THE PURPOSE OF THE trust IS TO PROVIDE MEDICAL AND DEATH BENEFITS TO ELIGIBLE ACTIVE AND RETIREE PARTICIPANTS AND THEIR DEPENDENTS.

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$40,808,155$53,795,678▲ $12,987,523
Investments in Publicly Traded Securities$14,728,869$24,151,727▲ $9,422,858
Cash and Non-Interest-Bearing Accounts$18,331,592$20,475,170▲ $2,143,578
Savings and Temporary Cash Investments$9,780,674$12,785,901▲ $3,005,227
Accounts Receivable$7,053,155$6,100,735▼ $952,420
Prepaid Expenses and Deferred Charges$9,742$0▼ $9,742
Land, Buildings, and Equipment, Net$3,804$1,938▼ $1,866
Other Notes and Loans Receivable, Net-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$49,998,778$63,575,212▲ $13,576,434
Other Assets Total$90,942$59,741▼ $31,201
Liabilities
Other Liabilities$7,947,017$8,476,595▲ $529,578
Accounts Payable and Accrued Expenses$1,039,042$1,095,629▲ $56,587
Deferred Revenue$204,564$207,310▲ $2,746
Total Liabilities$9,190,623$9,779,534▲ $588,911
Net Assets / Fund Balance
Total Net Assets Fund Balance$40,808,155$53,795,678▲ $12,987,523
Total Liabilities and Net Assets / Fund Balance$49,998,778$63,575,212▲ $13,576,434

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$1,938$64,458$66,396
Compensation and Service Providers
Top Officer Pay88th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
mary castrovincifund admin.FT$209,188$51,828$261,016
kimberly kemplecollection mgrFT$101,966$45,828$147,794

Board Members and Trustees

NameTitle
Jack KocsisCo-chairman
Raymond M PocinoCo-chairman
Alfred CastagnaTrustee
Carl StylesTrustee
Gary RamseyTrustee
Jose ColonTrustee
Michael FitzpatrickTrustee
Robert EpifanoTrustee
Robert GariepyTrustee
Stanley ThompsonTrustee

Highest Paid Contractors

ContractorServicesLocationCompensation
cigna health & life ins coClaims Processing-$2,331,343
Kroll Heineman Carton LLCLegal-$733,982
Schultheis & Panettieri LLPAuditing-$626,248
Zenith American SolutionsThird Party Admin-$336,158
the segal companyActuarial Consulting-$163,211
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$43,163,677
Investment Income
$340,521
Other Revenue
$2,436
Change in Net Assets
$12,725,196

Audited Revenue Reconciliation

Revenue per Audited Statements
$43,445,222
Revenue Not Reported on Financial Statements
$61,412
Revenue Not Reported on Form 990
$262,327
Total Revenue per Audited Statements
$43,707,549
Total Revenue per Form 990
$43,506,634
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$1,381,005
Other Expenses$515,846
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members---$28,884,587
Fees for Services Legal---$865,608
Fees for Services Accounting---$630,980
Other Salaries and Wages---$618,902
Current Officers, Directors, Trustees, and Key Employees---$261,016
Other Employee Benefits---$222,954
Pension Plan Contributions---$193,584
Fees for Services Other---$162,999
Office Expenses---$107,464
Occupancy---$86,400
Payroll Taxes---$84,549
Fees for Service Investment Mgmnt Fees---$61,412
Information Technology---$47,568
Insurance---$29,721
Conferences and Meetings---$6,067
Depreciation Depletion---$1,865
Other Expenses---$-1,820,396
Total Functional Expenses$0$0$0$30,781,438

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$31,297,692
Total Expenses per Audited Statements$31,297,692
Total Expenses per Form 990$30,781,438
Expenses Not Reported on Financial Statements$-516,254
Other Expense Adjustments$-577,666
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

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
Due to Affiliates$6,121,180
Plans Current Benefit Obligations$2,355,415
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
No
Management duties delegated
No

Governance Explanations

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 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.”

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

EIN
22-1764453
Phone
2019630633

Signing Officer

Name
Raymond M Pocino
Title
Co-chairman
Signed
2014-10-14
Discuss with paid preparer
Yes

Organization Details

Formed
1965
Legal Domicile
Nj
Voting Board Members
10
Independent Board Members
10
Employees
14

Preparer

Preparer
Schultheis Panettieri Llp
Phone
6312734778
Supplemental Narrative

Additional Explanations

Schedule O - Supplemental Information

“The retiree plan of the njbls was formed during year end december 31, 2011 with a separate plan number but the same ein number as the njbls welfare fund. This 990 includes the activity from the audited financial statements of the njbls welfare fund and the audited financial statements of the retiree plan of the njbls.”

Raw XML AppendixShowing 400 of 541 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/TitleTxt4Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt5Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt6Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt7Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt8Trustee
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IRS990/Form990PartVIISectionAGrp/TitleTxt11collection mgr
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0mary castrovinci
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0fund admin.
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IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0part i, line 3, relevant information regarding compensation and benefitsMARY CASTROVINCI RECEIVES COMPENSATION AND BENEFITS IN HER CAPACITY AS FUND ADMINISTRATOR OF THIS ENTITY AND THE RELATED PENSION AND ANNUITY FUNDS. COMPENSATION AND BENEFITS ARE PAID BY THE WELFARE FUND WITH REIMBURSEMENTS MADE ACCORDINGLY. THE WELFARE FUND PORTION OF THESE EXPENSES IS 37% OF THE GROSS AMOUNTS DETAILED ON SCHEDULE J, PART II.
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0Part III, Additional Information
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE FORM 990 WAS PREPARED IN COORDINATION WITH MANAGEMENT OF THE ORGANIZATION AND WAS REVIEWED WITH THE board of trustees PRIOR TO SUBMISSION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1AS REQUIRED BY THE FUND'S POLICY AND BY ERISA, OFFICERS, DIRECTORS, AND KEY EMPLOYEES HAVE A CONTINUOUS OBLIGATION TO REPORT POTENTIAL CONFLICTS OF INTEREST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2NO DOCUMENTS AVAILABLE TO PUBLIC. PARTICIPANTS MAY VIEW DOCUMENTS AT THE FUND OFFICE UPON REQUEST TO THE EXTENT REQUIRED BY LAW.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE RETIREE PLAN OF THE NJBLS WAS FORMED DURING YEAR END DECEMBER 31, 2011 WITH A SEPARATE PLAN NUMBER BUT THE SAME EIN NUMBER AS THE NJBLS WELFARE FUND. THIS 990 INCLUDES THE ACTIVITY FROM THE AUDITED FINANCIAL STATEMENTS OF THE NJBLS WELFARE FUND AND THE AUDITED FINANCIAL STATEMENTS OF THE RETIREE PLAN OF THE NJBLS.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 12c: Explanation of Monitoring and Enforcement of Conflicts

Document Assets

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Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$63,575,212
Liabilities
$9,779,534
Net assets
$53,795,678
Revenue
$43,506,634
Expenses
$30,781,438
Net income
$12,725,196
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$125$19.6$105$47.7$41.5$6.18
2023Summary only. Only limited summary data is available for this year.$117$17.6$98.9$44.4$40.9$3.42
2022Summary only. Only limited summary data is available for this year.$109$18.8$90.3$45.3$37.7$7.60
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$111$19.3$91.5$43.1$46.3$3.23
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$108$13.2$95.0$42.2$38.4$3.80
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$106$16.3$89.6$49.0$43.6$5.34
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$95.4$14.4$81.1$46.3$41.3$5.04
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$92.2$13.7$78.5$46.9$41.4$5.54
2016Summary only. Only limited summary data is available for this year.$85.9$14.2$71.8$43.4$41.5$1.85
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$80.9$11.7$69.2$46.8$39.6$7.27
2014Detailed filing. Detailed filing data is available for this year.$73.5$11.3$62.2$43.7$35.8$7.96
2013Detailed filing. Detailed filing data is available for this year.$63.6$9.78$53.8$43.5$30.8$12.7
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$50.0$9.19$40.8$32.2
2011Summary only. Only limited summary data is available for this year.$37.3$9.13$28.2$48.8$33.7$15.1
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$21.7$8.55$13.1$42.7
Peer Organizations

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