Civic Intelligence

Ufcw Local 1459 & Contributing Employers Legal Benefit Fund

990EZ • Fiscal year 2015 • EIN 22-2507618

Jan 01, 2015 to Dec 31, 2015 • Filed on Aug 22, 2016

Organization ProfileN/A

View Organization Page

33 Eastland StreetSpringfield, MA 01109-2348

(413) 733-1197

Siviq Scores

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

Liabilities / Assets

89th percentile

0.19x

Higher debt load relative to assets than 89% of similar nonprofits.

2015 filings • 501(c)9 • <$500k nonprofits • Source year 2015

Liabilities / Revenue

78th percentile

0.06x

Higher debt load relative to revenue than 78% of similar nonprofits.

2015 filings • 501(c)9 • <$500k nonprofits • Source year 2015

Net Margin

42nd percentile

-2.9%

Higher net margin than 42% of similar nonprofits.

2015 filings • 501(c)9 • <$500k nonprofits • Source year 2015

Top Officer Pay

69th percentile

$0

Higher top officer pay than 69% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2015 filings • 501(c)9 • <$500k nonprofits • Source year 2015

Asset Growth

21st percentile

-26%

Faster asset growth than 21% of similar nonprofits.

2015 filings • 501(c)9 • <$500k nonprofits • Annualized from 2014 to 2015

Revenue Growth

48th percentile

-4.3%

Faster revenue growth than 48% of similar nonprofits.

2015 filings • 501(c)9 • <$500k nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets89th percentile

Assets

Down

$29,263

Down $10,226 (-26%) from 2014

Net Assets

Down

$23,661

Down $2,661 (-10%) from 2014

Liabilities

Down

$5,602

Down $7,565 (-57%) from 2014

Revenue And Expenses
Liabilities / Revenue78th percentileNet Margin42nd percentile

Revenue

Down

$93,107

Down $4,188 (-4.3%) from 2014

Expenses

Down

$95,768

Down $8,759 (-8.4%) from 2014

Net Income

Up

-$2,661

Up $4,571 (+63%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth21st percentile

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

$80K$60K$40K$20K$0Assets 2010: $74,472Liabilities 2010: $21,289Net Assets 2010: $53,1832010Assets 2011: $60,323Liabilities 2011: $12,531Net Assets 2011: $47,7922011Assets 2012: $56,156Liabilities 2012: $13,422Net Assets 2012: $42,7342012Assets 2013: $46,881Liabilities 2013: $13,327Net Assets 2013: $33,5542013Assets 2014: $39,489Liabilities 2014: $13,167Net Assets 2014: $26,3222014Assets 2015: $29,263Liabilities 2015: $5,602Net Assets 2015: $23,6612015Assets 2016: $28,219Liabilities 2016: $6,452Net Assets 2016: $21,7672016Assets 2017: $33,514Liabilities 2017: $8,500Net Assets 2017: $25,0142017Assets 2018: $43,935Liabilities 2018: $1,352Net Assets 2018: $42,5832018Assets 2019: $55,237Liabilities 2019: $1,558Net Assets 2019: $53,6792019Assets 2020: $47,218Liabilities 2020: $1,457Net Assets 2020: $45,7612020Assets 2021: $67,651Liabilities 2021: $2,917Net Assets 2021: $64,7342021Assets 2022: $49,381Liabilities 2022: $747Net Assets 2022: $48,6342022Assets 2023: $58,390Liabilities 2023: $1,446Net Assets 2023: $56,9442023Assets 2024: $79,980Liabilities 2024: $3,840Net Assets 2024: $76,1402024

Highlighted filing

2015

Assets$29,263
Liabilities$5,602
Net Assets$23,661
Open 2015 Filing

Operations Trend

Revenue Growth48th percentile

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

$150K$100K$50K$0-$50KRevenue 2010: $96,629Expenses 2010: $95,482Net Income 2010: $1,1472010Revenue 2011: $98,972Expenses 2011: $104,363Net Income 2011: -$5,3912011Revenue 2012: $101,133Expenses 2012: $106,191Net Income 2012: -$5,0582012Revenue 2013: $99,438Expenses 2013: $108,618Net Income 2013: -$9,1802013Revenue 2014: $97,295Expenses 2014: $104,527Net Income 2014: -$7,2322014Revenue 2015: $93,107Expenses 2015: $95,768Net Income 2015: -$2,6612015Revenue 2016: $100,816Expenses 2016: $102,710Net Income 2016: -$1,8942016Revenue 2017: $109,890Expenses 2017: $106,643Net Income 2017: $3,2472017Revenue 2018: $109,106Expenses 2018: $91,537Net Income 2018: $17,5692018Revenue 2019: $106,974Expenses 2019: $95,878Net Income 2019: $11,0962019Revenue 2020: $108,805Expenses 2020: $116,723Net Income 2020: -$7,9182020Revenue 2021: $102,266Expenses 2021: $83,293Net Income 2021: $18,9732021Revenue 2022: $102,923Expenses 2022: $119,023Net Income 2022: -$16,1002022Revenue 2023: $101,163Expenses 2023: $92,853Net Income 2023: $8,3102023Revenue 2024: $102,258Expenses 2024: $83,062Net Income 2024: $19,1962024

Highlighted filing

2015

Revenue$93,107
Expenses$95,768
Net Income-$2,661
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Aug 22, 2016
Return Version
2015v2.1
Gross Receipts
$93,107
Mission and Program Overview

Mission

To provide a prepaid legal services plan to eligible participants.

Program Services

DescriptionGrantsExpenses
TO PROVIDE A PREPAID LEGAL SERVICES PLAN TO ELIGIBLE PARTICIPANTS.$0$75,348
Compensation and Service Providers
Top Officer Pay69th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
JOEL A BOONESecretary/Trustee-$0--
DANIEL P CLIFFORDChairman/Trustee-$0--
SUSAN M SANVILLETrustee-$0--
ROSS KIELY RESIGNEDTrustee-$0--
Filing and Contact Details

Filer

Filer Name
Ufcw Local 1459 & Contributing Employers
EIN
22-2507618
Phone
4137331197
Address
33 EASTLAND STREET, SPRINGFIELD, MA 01109-2348

Signing Officer

Name
Daniel P Clifford
Title
Trustee
Phone
4137326209
Signed
2016-08-22
Discuss with paid preparer
Yes

Preparer

Firm
Crowe Horwath Llp
Address
175 POWDER FOREST DRIVE, SIMSBURY, CT 06089
Preparer
Richard Buggy
Phone
8606789200
Supplemental Narrative

Additional Explanations

Form 990-EZ, Part I, Line 4 - Other Investment Income

“Description: INTEREST INCOME. Amount: 55.”

Form 990-EZ, Part I, Line 16 - Other Expenses

“Description: FIDUCIARY INSURANCE PREMIUM. Amount: 1,052. Description: FIDELITY BOND PREMIUM. Amount: 740. Total to Form 990-EZ, line 16: 1,792.”

Form 990-EZ, Part II, Line 24 - Other Assets

“Description: PREPAID EXPENSES. Beg. of Year Amount: 123. End of Year Amount: 1,589.”

Form 990-EZ, Part II, Line 26 - Other Liabilities

“Description: ACCOUNTS PAYABLE & ACCRUED EXPENSES. Beg. of Year Amount: 13,167. End of Year Amount: 5,602.”

Raw XML Appendix119 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.

Path#Value
IRS990EZ/ActivitiesNotPreviouslyRptInd00
IRS990EZ/BenefitsPaidToOrForMembersAmt075348
IRS990EZ/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0ZENITH AMERICAN SOLUTIONS
IRS990EZ/BooksInCareOfDetail/PhoneNum04137331197
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt033 EASTLAND STREET
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0SPRINGFIELD
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MA
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd001109
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt039366
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt027674
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd00
IRS990EZ/DirectIndirectPltclExpendAmt00
IRS990EZ/DonorAdvisedFndsInd00
IRS990EZ/ExcessOrDeficitForYearAmt0-2661
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt016673
IRS990EZ/ForeignFinancialAccountInd00
IRS990EZ/ForeignOfficeInd00
IRS990EZ/Form990TotalAssetsGrp/BOYAmt039489
IRS990EZ/Form990TotalAssetsGrp/EOYAmt029263
IRS990EZ/GrossReceiptsAmt093107
IRS990EZ/InfoInScheduleOPartIIIInd0X
IRS990EZ/InfoInScheduleOPartIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InfoInScheduleOPartVInd0X
IRS990EZ/InvestmentIncomeAmt055
IRS990EZ/MadeLoansToFromOfficersInd00
IRS990EZ/MethodOfAccountingAccrualInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt026322
IRS990EZ/NetAssetsOrFundBalancesEOYAmt023661
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt026322
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt023661
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt01.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt11.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt21.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt31.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0JOEL A BOONE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1DANIEL P CLIFFORD
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2SUSAN M SANVILLE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3ROSS KIELY RESIGNED
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0SECRETARY/TRUSTEE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1CHAIRMAN/TRUSTEE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2TRUSTEE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3TRUSTEE
IRS990EZ/OperateHospitalInd00
IRS990EZ/Organization501cInd0X
IRS990EZ/OrganizationDissolvedEtcInd00
IRS990EZ/OrganizationHadUBIInd00
IRS990EZ/OtherAssetsTotalDetail/BOYAmt0123
IRS990EZ/OtherAssetsTotalDetail/EOYAmt01589
IRS990EZ/OtherChangesInNetAssetsAmt00
IRS990EZ/OtherExpensesTotalAmt01792
IRS990EZ/PoliticalCampaignActyInd00
IRS990EZ/PrimaryExemptPurposeTxt0TO PROVIDE A PREPAID LEGAL SERVICES PLAN TO ELIGIBLE PARTICIPANTS.
IRS990EZ/PrintingPublicationsPostageAmt01955
IRS990EZ/ProgramServiceRevenueAmt093052
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0TO PROVIDE A PREPAID LEGAL SERVICES PLAN TO ELIGIBLE PARTICIPANTS.
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt00
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt075348
IRS990EZ/ProhibitedTaxShelterTransInd00
IRS990EZ/RelatedOrganizationCtrlEntInd00
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SubjectToProxyTaxInd00
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt013167
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt05602
IRS990EZ/TanningServicesProvidedInd00
IRS990EZ/TotalExpensesAmt095768
IRS990EZ/TotalProgramServiceExpensesAmt075348
IRS990EZ/TotalRevenueAmt093107
IRS990EZ/TypeOfOrganizationTrustInd0X
IRS990EZ/WebsiteAddressTxt0N/A
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Description: INTEREST INCOME. Amount: 55.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Description: FIDUCIARY INSURANCE PREMIUM. Amount: 1,052. Description: FIDELITY BOND PREMIUM. Amount: 740. Total to Form 990-EZ, line 16: 1,792.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Description: PREPAID EXPENSES. Beg. of Year Amount: 123. End of Year Amount: 1,589.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Description: ACCOUNTS PAYABLE & ACCRUED EXPENSES. Beg. of Year Amount: 13,167. End of Year Amount: 5,602.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990-EZ, Part I, Line 4 - Other Investment Income
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990-EZ, Part I, Line 16 - Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990-EZ, Part II, Line 24 - Other Assets
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990-EZ, Part II, Line 26 - Other Liabilities
TransferPrsnlBnftContractsDecl/DeclarationDesc0The organization did not, during the year, receive any funds, directly,or indirectly, to pay premiums on a personal benefit contract.The organization, did not, during the year, pay any premiums, directly,or indirectly, on a personal benefit contract.
ReturnHeader/BuildTS02016-12-15 16:53:06Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0DANIEL P CLIFFORD
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TRUSTEE
ReturnHeader/BusinessOfficerGrp/PhoneNum04137326209
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-08-22
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0UFCW LOCAL 1459 & CONTRIBUTING EMPLOYERS
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0LEGAL BENEFIT FUND
ReturnHeader/Filer/BusinessNameControlTxt0UNIT
ReturnHeader/Filer/EIN0222507618
ReturnHeader/Filer/PhoneNum04137331197
ReturnHeader/Filer/USAddress/AddressLine1Txt033 EASTLAND STREET
ReturnHeader/Filer/USAddress/CityNm0SPRINGFIELD
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MA
ReturnHeader/Filer/USAddress/ZIPCd0011092348
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0350921680
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0CROWE HORWATH LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0175 POWDER FOREST DRIVE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0SIMSBURY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0CT
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd006089
ReturnHeader/PreparerPersonGrp/PhoneNum08606789200
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Richard Buggy
ReturnHeader/ReturnTs02016-08-26T08:38:36-05:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-12-31
ReturnHeader/TaxYr02015

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$29,263
Liabilities
$5,602
Net assets
$23,661
Revenue
$93,107
Expenses
$95,768
Net income
-$2,661
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$0.80$0.04$0.76$1.02$0.83$0.19
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.58$0.01$0.57$1.01$0.93$0.08
2022Detailed filing. Detailed filing data is available for this year.$0.49$0.01$0.49$1.03$1.19$0.16
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.68$0.03$0.65$1.02$0.83$0.19
2020Detailed filing. Detailed filing data is available for this year.$0.47$0.01$0.46$1.09$1.17$0.08
2019Detailed filing. Detailed filing data is available for this year.$0.55$0.02$0.54$1.07$0.96$0.11
2018Detailed filing. Detailed filing data is available for this year.$0.44$0.01$0.43$1.09$0.92$0.18
2017Detailed filing. Detailed filing data is available for this year.$0.34$0.09$0.25$1.10$1.07$0.03
2016Detailed filing. Detailed filing data is available for this year.$0.28$0.06$0.22$1.01$1.03$0.02
2015Detailed filing. Detailed filing data is available for this year.$0.29$0.06$0.24$0.93$0.96$0.03
2014Detailed filing. Detailed filing data is available for this year.$0.39$0.13$0.26$0.97$1.05$0.07
2013Detailed filing. Detailed filing data is available for this year.$0.47$0.13$0.34$0.99$1.09$0.09
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.56$0.13$0.43$1.01$1.06$0.05
2011XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.60$0.13$0.48$0.99$1.04$0.05
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.74$0.21$0.53$0.97$0.95$0.01
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2015 filings • 501(c)9 • <$500k nonprofits