Civic Intelligence

Njbls Welfare Fund

990 • Fiscal year 2014 • EIN 22-1764453

Jan 01, 2014 to Dec 31, 2014 • Filed on Oct 19, 2015

Organization ProfileN/A

View Organization Page

3218 Kennedy BlvdJersey City, NJ 07306

(201) 963-0633

Siviq Scores

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

Liabilities / Assets

69th percentile

0.15x

Higher debt load relative to assets than 69% of similar nonprofits.

2014 filings • 501(c)9 • $50M-$100M nonprofits • Source year 2014

Liabilities / Revenue

81st percentile

0.26x

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

2014 filings • 501(c)9 • $50M-$100M nonprofits • Source year 2014

Net Margin

79th percentile

18%

Higher net margin than 79% of similar nonprofits.

2014 filings • 501(c)9 • $50M-$100M nonprofits • Source year 2014

Top Officer Pay

87th percentile

$271,566

Higher top officer pay than 87% of similar nonprofits.

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

2014 filings • 501(c)9 • $50M-$100M nonprofits • Source year 2014

Asset Growth

78th percentile

16%

Faster asset growth than 78% of similar nonprofits.

2014 filings • 501(c)9 • $50M-$100M nonprofits • Annualized from 2013 to 2014

Revenue Growth

33rd percentile

0.5%

Faster revenue growth than 33% of similar nonprofits.

2014 filings • 501(c)9 • $50M-$100M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets69th percentile

Assets

Up

$73,514,674

Up $9,939,462 (+16%) from 2013

Net Assets

Up

$62,212,031

Up $8,416,353 (+16%) from 2013

Liabilities

Up

$11,302,643

Up $1,523,109 (+16%) from 2013

Revenue And Expenses
Liabilities / Revenue81st percentileNet Margin79th percentile

Revenue

Up

$43,737,011

Up $230,377 (+0.5%) from 2013

Expenses

Up

$35,776,586

Up $4,995,148 (+16%) from 2013

Net Income

Down

$7,960,425

Down $4,764,771 (-37%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth78th 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

2014

Assets$73,514,674
Liabilities$11,302,643
Net Assets$62,212,031
Open 2014 Filing

Operations Trend

Revenue Growth33rd 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

2014

Revenue$43,737,011
Expenses$35,776,586
Net Income$7,960,425
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Oct 19, 2015
Return Version
2014v5.0
Gross Receipts
$51,134,224
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$53,795,678$62,212,031▲ $8,416,353
Investments in Publicly Traded Securities$24,151,727$25,973,539▲ $1,821,812
Cash and Non-Interest-Bearing Accounts$20,475,170$21,060,852▲ $585,682
Savings and Temporary Cash Investments$12,785,901$18,590,067▲ $5,804,166
Accounts Receivable$6,100,735$7,875,435▲ $1,774,700
Land, Buildings, and Equipment, Net$1,938$559▼ $1,379
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-
Prepaid Expenses and Deferred Charges-$0-
Total Assets$63,575,212$73,514,674▲ $9,939,462
Other Assets Total$59,741$14,222▼ $45,519
Liabilities
Other Liabilities$8,476,595$9,649,229▲ $1,172,634
Accounts Payable and Accrued Expenses$1,095,629$1,438,449▲ $342,820
Deferred Revenue$207,310$214,965▲ $7,655
Total Liabilities$9,779,534$11,302,643▲ $1,523,109
Net Assets / Fund Balance
Total Net Assets Fund Balance$53,795,678$62,212,031▲ $8,416,353
Total Liabilities and Net Assets / Fund Balance$63,575,212$73,514,674▲ $9,939,462

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$559$65,837$66,396
Compensation and Service Providers
Top Officer Pay87th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
mary castrovincifund admin.FT$219,518$52,048$271,566
kimberly kemplecollections mgrFT$99,584$52,048$151,632

Board Members and Trustees

NameTitle
Jack KocsisCo-chairman
Raymond M PocinoCo-chairman
Alfred CastagnaTrustee
Carl StylesTrustee
Gary RamseyTrustee
JOSE COLON thru 614Trustee
Michael FitzpatrickTrustee
Robert EpifanoTrustee
Robert GariepyTrustee
Stanley ThompsonTrustee
thomas ramsay eff 814Trustee

Highest Paid Contractors

ContractorServicesLocationCompensation
cigna health & life ins coClaims Processinga cigna company, hartford, CT 06152$2,964,413
Kroll Heineman Carton LLCLegal99 WOOD AVE SO STE 307, Iselin, NJ 08830$643,429
Schultheis & Panettieri LLPAuditing210 MARCUS BLVD, Hauppauge, NY 11788$550,461
Zenith American SolutionsThird Party Admin10440 LITTLE PATUXENT PKWY, Columbia, MD 21044$342,016
the segal companyActuarial Consulting333 WEST 34TH ST, New York, NY 10001$182,176
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$43,029,454
Investment Income
$704,283
Other Revenue
$3,274
Change in Net Assets
$7,960,425

Audited Revenue Reconciliation

Revenue per Audited Statements
$43,638,143
Revenue Not Reported on Financial Statements
$98,868
Revenue Not Reported on Form 990
$455,928
Total Revenue per Audited Statements
$44,094,071
Total Revenue per Form 990
$43,737,011
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$1,405,274
Other Expenses$439,849
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members---$33,931,463
Fees for Services Legal---$776,534
Fees for Services Accounting---$555,182
Other Salaries and Wages---$501,995
Current Officers, Directors, Trustees, and Key Employees---$423,198
Other Employee Benefits---$210,460
Pension Plan Contributions---$183,617
Fees for Services Other---$181,944
Fees for Service Investment Mgmnt Fees---$98,868
Occupancy---$86,400
Payroll Taxes---$86,004
Office Expenses---$47,120
Information Technology---$41,210
Insurance---$21,809
Conferences and Meetings---$4,178
Depreciation Depletion---$1,379
Other Expenses---$-1,781,966
Total Functional Expenses$0$0$0$35,776,586

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$35,776,586
Expenses per Audited Statements$34,966,085
Total Expenses per Audited Statements$34,966,085
Expenses Not Reported on Financial Statements$810,501
Other Expense Adjustments$711,633
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$6,582,181
Plans Current Benefit Obligations$3,067,048
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

Filer Name
Njbls Welfare Fund
EIN
22-1764453
Phone
2019630633
Address
3218 KENNEDY BLVD, JERSEY CITY, NJ 07306

Signing Officer

Name
Raymond M Pocino
Title
Co-chairman
Signed
2015-10-19
Discuss with paid preparer
Yes

Organization Details

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

Preparer

Firm
Schultheis & Panettieri LLP
Address
210 Marcus Boulevard, Hauppauge, NY 11788-3740
Preparer
Carol Westfall
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.”

Financial Statement Notes

Part XII, Line 4B: Other revenue amounts included on 990 but not included in F/S

“CHANGE IN IBNR $711633”

Raw XML AppendixShowing 400 of 561 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/PersonNm11mary castrovinci
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IRS990/Form990PartVIISectionAGrp/TitleTxt3Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt4Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt5Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt6Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt7Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt8Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt9Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt10Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt11fund admin.
IRS990/Form990PartVIISectionAGrp/TitleTxt12collections mgr
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IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt086004
IRS990/PensionPlanContributionsGrp/TotalAmt0183617
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0DUE TO AFFILIATES
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IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0CHANGE IN IBNR $711633
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Part XII, Line 4b: Other revenue amounts included on 990 but not included in F/S
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Document Assets

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Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$73,514,674
Liabilities
$11,302,643
Net assets
$62,212,031
Revenue
$43,737,011
Expenses
$35,776,586
Net income
$7,960,425
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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