Civic Intelligence

Njbls Welfare Fund

990 • Fiscal year 2015 • EIN 22-1764453

Jan 01, 2015 to Dec 31, 2015 • Filed on Oct 12, 2016

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

72nd percentile

0.14x

Higher debt load relative to assets than 72% of similar nonprofits.

2015 filings • 501(c)9 • $50M-$100M nonprofits • Source year 2015

Liabilities / Revenue

82nd percentile

0.25x

Higher debt load relative to revenue than 82% of similar nonprofits.

2015 filings • 501(c)9 • $50M-$100M nonprofits • Source year 2015

Net Margin

73rd percentile

16%

Higher net margin than 73% of similar nonprofits.

2015 filings • 501(c)9 • $50M-$100M nonprofits • Source year 2015

Top Officer Pay

85th percentile

$280,637

Higher top officer pay than 85% of similar nonprofits.

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

2015 filings • 501(c)9 • $50M-$100M nonprofits • Source year 2015

Asset Growth

78th percentile

10%

Faster asset growth than 78% of similar nonprofits.

2015 filings • 501(c)9 • $50M-$100M nonprofits • Annualized from 2014 to 2015

Revenue Growth

61st percentile

7.1%

Faster revenue growth than 61% of similar nonprofits.

2015 filings • 501(c)9 • $50M-$100M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets72nd percentile

Assets

Up

$80,869,114

Up $7,354,440 (+10%) from 2014

Net Assets

Up

$69,156,083

Up $6,944,052 (+11%) from 2014

Liabilities

Up

$11,713,031

Up $410,388 (+3.6%) from 2014

Revenue And Expenses
Liabilities / Revenue82nd percentileNet Margin73rd percentile

Revenue

Up

$46,826,382

Up $3,089,371 (+7.1%) from 2014

Expenses

Up

$39,555,287

Up $3,778,701 (+11%) from 2014

Net Income

Down

$7,271,095

Down $689,330 (-8.7%) from 2014

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

2015

Assets$80,869,114
Liabilities$11,713,031
Net Assets$69,156,083
Open 2015 Filing

Operations Trend

Revenue Growth61st 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

2015

Revenue$46,826,382
Expenses$39,555,287
Net Income$7,271,095
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Oct 12, 2016
Return Version
2015v2.0
Gross Receipts
$64,950,496
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$62,212,031$69,156,083▲ $6,944,052
Investments in Publicly Traded Securities$25,973,539$36,085,378▲ $10,111,839
Cash and Non-Interest-Bearing Accounts$21,060,852$21,020,932▼ $39,920
Savings and Temporary Cash Investments$18,590,067$15,716,699▼ $2,873,368
Accounts Receivable$7,875,435$7,716,244▼ $159,191
Land, Buildings, and Equipment, Net$559$774▲ $215
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$73,514,674$80,869,114▲ $7,354,440
Other Assets Total$14,222$329,087▲ $314,865
Liabilities
Other Liabilities$9,649,229$10,195,543▲ $546,314
Accounts Payable and Accrued Expenses$1,438,449$1,327,452▼ $110,997
Deferred Revenue$214,965$190,036▼ $24,929
Total Liabilities$11,302,643$11,713,031▲ $410,388
Net Assets / Fund Balance
Total Net Assets Fund Balance$62,212,031$69,156,083▲ $6,944,052
Total Liabilities and Net Assets / Fund Balance$73,514,674$80,869,114▲ $7,354,440

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$774$66,551$67,325
Compensation and Service Providers
Top Officer Pay85th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
mary castrovincifund admin.FT$230,453$50,184$280,637
kimberly kemplecollections mgrFT$103,764$50,184$153,948

Board Members and Trustees

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

Highest Paid Contractors

ContractorServicesLocationCompensation
cigna health & life ins coClaims Processinga cigna company, hartford, CT 06152$4,206,383
Kroll Heineman Carton LLCLegal99 WOOD AVE SO STE 307, Iselin, NJ 08830$770,918
Schultheis & Panettieri LLPAuditing210 MARCUS BLVD, Hauppauge, NY 11788$575,612
Zenith American SolutionsThird Party Admin10440 LITTLE PATUXENT PKWY, Columbia, MD 21044$342,140
the segal companyActuarial Consulting333 WEST 34TH ST, New York, NY 10001$231,194
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$46,175,957
Investment Income
$648,788
Other Revenue
$1,637
Change in Net Assets
$7,271,095

Audited Revenue Reconciliation

Revenue per Audited Statements
$46,701,138
Revenue Not Reported on Financial Statements
$125,244
Revenue Not Reported on Form 990
$-327,043
Total Revenue per Audited Statements
$46,374,095
Total Revenue per Form 990
$46,826,382
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$1,409,660
Other Expenses$651,534
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members---$37,494,093
Fees for Services Legal---$903,779
Fees for Services Accounting---$575,317
Other Salaries and Wages---$508,722
Current Officers, Directors, Trustees, and Key Employees---$434,585
Fees for Services Other---$333,280
Insurance---$209,147
Pension Plan Contributions---$194,482
Other Employee Benefits---$185,441
Fees for Service Investment Mgmnt Fees---$125,244
Payroll Taxes---$86,430
Occupancy---$86,400
Office Expenses---$40,291
Information Technology---$28,749
Conferences and Meetings---$6,604
Depreciation Depletion---$715
Other Expenses---$-2,047,912
Total Functional Expenses$0$0$0$39,555,287

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$39,555,287
Expenses per Audited Statements$39,524,406
Total Expenses per Audited Statements$39,524,406
Expenses Not Reported on Financial Statements$30,881
Other Expense Adjustments$-94,363
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$7,222,858
Plans Current Benefit Obligations$2,972,685
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
mary castrovinci
Title
fund adminISTRATOR
Signed
2016-10-12
Discuss with paid preparer
Yes

Organization Details

Formed
1965
Legal Domicile
Nj
Voting Board Members
10
Independent Board Members
10
Employees
13

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.”

Raw XML AppendixShowing 400 of 551 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
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IRS990/Form990PartVIISectionAGrp/TitleTxt6Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt7Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt8Trustee
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IRS990/OtherSalariesAndWagesGrp/TotalAmt0508722
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IRS990/PayrollTaxesGrp/TotalAmt086430
IRS990/PensionPlanContributionsGrp/TotalAmt0194482
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IRS990/ProfessionalFundraisingInd0false
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1401811
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IRS990/PYBenefitsPaidToMembersAmt033931463
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IRS990/PYInvestmentIncomeAmt0704283
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IRS990/PYOtherExpensesAmt0439849
IRS990/PYOtherRevenueAmt03274
IRS990/PYProgramServiceRevenueAmt043029454
IRS990/PYRevenuesLessExpensesAmt07960425
IRS990/PYSalariesCompEmpBnftPaidAmt01405274
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IRS990/ReportLandBuildingEquipmentInd0true
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Document Assets

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Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$80,869,114
Liabilities
$11,713,031
Net assets
$69,156,083
Revenue
$46,826,382
Expenses
$39,555,287
Net income
$7,271,095
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
2015Detailed filing. Detailed filing data is available for this year.$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