Civic Intelligence

Sheet Metal Workers Local Union No 25 New Jersey Welfare Fund

EIN 22-2586287 • 501(c)9 • Carlstadt, NJ

Profile

The fund provides hospital, surgical, major medical, dental, prescription drug, vision, life insurance and other benefits to its members and their eligible dependents.

Refreshing map…

440 Barell AvenueCarlstadt, NJ 07072

n/A

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

53rd percentile

0.04x

Higher debt load relative to assets than 53% of similar nonprofits.

501(c)9 • $25M-$50M nonprofits • Source year 2024

Liabilities / Revenue

63rd percentile

0.09x

Higher debt load relative to revenue than 63% of similar nonprofits.

501(c)9 • $25M-$50M nonprofits • Source year 2024

Net Margin

38th percentile

1.4%

Higher net margin than 38% of similar nonprofits.

501(c)9 • $25M-$50M nonprofits • Source year 2024

Top Officer Pay

79th percentile

$237,905

Higher top officer pay than 79% of similar nonprofits.

Top officer pay equals 1.9% of source-year revenue.

501(c)9 • $25M-$50M nonprofits • Source year 2024

Asset Growth

55th percentile

8.2%

Faster asset growth than 55% of similar nonprofits.

501(c)9 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Revenue Growth

14th percentile

-8.8%

Faster revenue growth than 14% of similar nonprofits.

501(c)9 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Assets

Up

$29,036,759

Up $2,205,022 (+8.2%) from 2023

Liabilities

Up

$1,174,506

Up $257,600 (+28%) from 2023

Net Assets

Up

$27,862,253

Up $1,947,422 (+7.5%) from 2023

Revenue

Down

$12,760,226

Down $1,224,173 (-8.8%) from 2023

Expenses

Up

$12,577,308

Up $90,675 (+0.7%) from 2023

Net Income

Down

$182,918

Down $1,314,848 (-88%) from 2023

Trend Graphs

Balance Sheet Trend

Grouped bars show assets, liabilities, and net assets across loaded filings.

$30M$20M$10M$0Assets 2010: $23,270,888Liabilities 2010: $1,070,117Net Assets 2010: $22,200,7712010Assets 2011: $21,240,973Liabilities 2011: $736,265Net Assets 2011: $20,504,7082011Assets 2012: $20,526,734Liabilities 2012: $768,133Net Assets 2012: $19,758,6012012Assets 2013: $20,047,109Liabilities 2013: $805,995Net Assets 2013: $19,241,1142013Assets 2014: $19,514,153Liabilities 2014: $982,096Net Assets 2014: $18,532,0572014Assets 2015: $17,940,172Liabilities 2015: $922,368Net Assets 2015: $17,017,8042015Assets 2016: $16,667,952Liabilities 2016: $1,066,775Net Assets 2016: $15,601,1772016Assets 2017: $17,428,897Liabilities 2017: $939,060Net Assets 2017: $16,489,8372017Assets 2018: $16,494,554Liabilities 2018: $1,016,228Net Assets 2018: $15,478,3262018Assets 2019: $19,565,225Liabilities 2019: $1,108,306Net Assets 2019: $18,456,9192019Assets 2020: $22,768,131Liabilities 2020: $1,293,250Net Assets 2020: $21,474,8812020Assets 2021: $26,617,472Liabilities 2021: $1,323,848Net Assets 2021: $25,293,6242021Assets 2022: $25,094,876Liabilities 2022: $2,126,909Net Assets 2022: $22,967,9672022Assets 2023: $26,831,737Liabilities 2023: $916,906Net Assets 2023: $25,914,8312023Assets 2024: $29,036,759Liabilities 2024: $1,174,506Net Assets 2024: $27,862,2532024

Highlighted filing

2024

Assets$29,036,759
Liabilities$1,174,506
Net Assets$27,862,253

Operations Trend

Revenue, expenses, and net income by year, with the latest filing highlighted.

$15M$10M$5.0M$0-$5.0MExpenses 2010: $11,252,2292010Expenses 2011: $9,580,0892011Expenses 2012: $9,555,4842012Revenue 2013: $8,755,399Expenses 2013: $9,858,913Net Income 2013: -$1,103,5142013Revenue 2014: $9,627,139Expenses 2014: $10,614,831Net Income 2014: -$987,6922014Revenue 2015: $10,283,487Expenses 2015: $11,469,444Net Income 2015: -$1,185,9572015Revenue 2016: $10,987,876Expenses 2016: $12,431,366Net Income 2016: -$1,443,4902016Revenue 2017: $12,359,000Expenses 2017: $11,944,444Net Income 2017: $414,5562017Revenue 2018: $12,248,834Expenses 2018: $12,929,404Net Income 2018: -$680,5702018Revenue 2019: $13,313,147Expenses 2019: $11,891,234Net Income 2019: $1,421,9132019Revenue 2020: $12,607,598Expenses 2020: $10,845,789Net Income 2020: $1,761,8092020Revenue 2021: $13,800,280Expenses 2021: $11,794,850Net Income 2021: $2,005,4302021Revenue 2022: $12,372,350Expenses 2022: $12,740,134Net Income 2022: -$367,7842022Revenue 2023: $13,984,399Expenses 2023: $12,486,633Net Income 2023: $1,497,7662023Revenue 2024: $12,760,226Expenses 2024: $12,577,308Net Income 2024: $182,9182024

Highlighted filing

2024

Revenue$12,760,226
Expenses$12,577,308
Net Income$182,918

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$29.0$1.17$27.9$12.8$12.6$0.18
2023Detailed filing. Detailed filing data is available for this year.$26.8$0.92$25.9$14.0$12.5$1.50
2022Detailed filing. Detailed filing data is available for this year.$25.1$2.13$23.0$12.4$12.7$0.37
2021Detailed filing. Detailed filing data is available for this year.$26.6$1.32$25.3$13.8$11.8$2.01
2020Detailed filing. Detailed filing data is available for this year.$22.8$1.29$21.5$12.6$10.8$1.76
2019Detailed filing. Detailed filing data is available for this year.$19.6$1.11$18.5$13.3$11.9$1.42
2018Detailed filing. Detailed filing data is available for this year.$16.5$1.02$15.5$12.2$12.9$0.68
2017Detailed filing. Detailed filing data is available for this year.$17.4$0.94$16.5$12.4$11.9$0.41
2016Detailed filing. Detailed filing data is available for this year.$16.7$1.07$15.6$11.0$12.4$1.44
2015Detailed filing. Detailed filing data is available for this year.$17.9$0.92$17.0$10.3$11.5$1.19
2014Detailed filing. Detailed filing data is available for this year.$19.5$0.98$18.5$9.63$10.6$0.99
2013Detailed filing. Detailed filing data is available for this year.$20.0$0.81$19.2$8.76$9.86$1.10
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$20.5$0.77$19.8$9.56
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$21.2$0.74$20.5$9.58
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$23.3$1.07$22.2$11.3
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Oct 9, 2025
Return Version
2024v5.2
Gross Receipts
$12,761,387
Mission and Program Overview

Mission

The fund provides hospital, surgical, major medical, dental, prescription drug, vision, life insurance and other benefits to its members and their eligible dependents.

See page 2 for organization's mission statement

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$25,914,831$27,862,253▲ $1,947,422
Investments Other Securities$17,424,867$19,875,682▲ $2,450,815
Investments in Publicly Traded Securities$5,600,411$5,941,686▲ $341,275
Cash and Non-Interest-Bearing Accounts$1,249,616$1,242,594▼ $7,022
Accounts Receivable$835,672$818,898▼ $16,774
Savings and Temporary Cash Investments$246,872$166,743▼ $80,129
Land, Buildings, and Equipment, Net$5,512$0▼ $5,512
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-
Prepaid Expenses and Deferred Charges-$0-
Total Assets$26,831,737$29,036,759▲ $2,205,022
Other Assets Total$1,468,787$991,156▼ $477,631
Liabilities
Other Liabilities$842,300$1,119,500▲ $277,200
Accounts Payable and Accrued Expenses$74,606$55,006▼ $19,600
Total Liabilities$916,906$1,174,506▲ $257,600
Net Assets / Fund Balance
Total Net Assets Fund Balance$25,914,831$27,862,253▲ $1,947,422
Total Liabilities and Net Assets / Fund Balance$26,831,737$29,036,759▲ $2,205,022

Asset Categories

AssetBook ValueDepreciationBasis
Equipment-$164,911$164,911
Leasehold Improvements-$97,693$97,693
Other Land Buildings-$4,080$4,080
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
KARLEEN O'NEILLAdministrator/ ControllerFT$156,894$81,011$237,905
Virginia OlsenAssoc Administra.FT$140,808$85,162$225,970

Board Members and Trustees

Highest Paid Contractors

ContractorServicesLocationCompensation
Sierra Health And Life Insurance Company INCMedicare Retiree Benefits4316 RICE LAKE ROAD, Duluth, MN 55811$1,512,925
Amalgamated Life InsuranceStop Loss Insur333 WESTCHESTER AVENUE, White Plains, NY 10604$405,099
Aetna Life Insurance CoTpa Medical Benefits151 FARMINGTON AVENUE, Hartford, CT 06156$389,526
Unicare Life & Health Insur CoLife & Ad&d InsurPO BOX 511300, Los Angeles, CA 90051$167,730
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$12,127,142
Investment Income
$626,498
Other Revenue
$6,586
Change in Net Assets
$182,918

Audited Revenue Reconciliation

Revenue per Audited Statements
$12,655,161
Revenue Not Reported on Financial Statements
$105,065
Revenue Not Reported on Form 990
$1,764,504
Total Revenue per Audited Statements
$14,419,665
Total Revenue per Form 990
$12,760,226
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$573,863
Salaries, Compensation, and Employee Benefits$535,914
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members---$11,467,531
Other Salaries and Wages---$164,288
Current Officers, Directors, Trustees, and Key Employees---$156,894
Other Employee Benefits---$145,575
Fees for Service Investment Mgmnt Fees---$105,065
Pension Plan Contributions---$53,473
Fees for Services Accounting---$53,240
Office Expenses---$34,218
Insurance---$21,062
Conferences and Meetings---$20,122
Occupancy---$17,641
Payroll Taxes---$15,684
Fees for Services Legal---$13,886
Other Expenses---$6,050
Depreciation Depletion---$5,512
All Other Expenses---$-237,301
Total Functional Expenses$0$0$0$12,577,308

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$12,577,308
Expenses per Audited Statements$12,195,043
Total Expenses per Audited Statements$12,195,043
Expenses Not Reported on Financial Statements$382,265
Other Expense Adjustments$277,200
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
Subject to proxy tax
No
Insider Transactions and Loans

Interested-Person Transactions

Interested PartyRelationshipDescriptionShared RevenueAmount
Virginia OlsenNieceSalary Assoc AdminNo$140,808
Virginia OlsenNieceBenefits Assoc AdminNo$85,162

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
Claims Payable$815,612
Claims Incurred But Not Reported$303,888
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
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
Yes
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section B, Line 11B

The form 990 was provided to the plan administrator, who then reviews the form 990 with the board of trustees of the fund before it is filed with the irs.

Form 990, Part VI, Section B, Line 15B

The board of trustees annually reviews compensation of all fund employees and determines what level of compensation is appropriate for them given current contractual and market conditions.

Form 990, Part VI, Section C, Line 19

The fund makes its governing documents and financial statements available to the public upon request. Once a request is made, the management of the fund arranges a mutually convenient meeting to review all requested information to the requested parties satisfaction.

Filing and Contact Details

Filer

Filer Name
Sheet Metal Workers Local Union No 25
EIN
22-2586287
Phone
2015070330
Address
440 BARELL AVENUE, CARLSTADT, NJ 07072

Signing Officer

Name
Joseph Demark Jr
Title
Trustee
Signed
2025-10-09
Discuss with paid preparer
Yes

Organization Details

Formed
1985
Legal Domicile
Nj
Voting Board Members
6
Independent Board Members
0
Employees
8

Preparer

Firm
Manfre CPA Pc
Address
84 Business Park Dr Ste 204, Armonk, NY 10504
Preparer
Joseph E Manfre CPA
Phone
9147300700
Supplemental Narrative

Financial Statement Notes

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

Change in ibnr $-3701 changes in claims payable $280901

Raw XML AppendixShowing 400 of 992 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
IRS990/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt074606
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt055006
IRS990/AccountsReceivableGrp/BOYAmt0835672
IRS990/AccountsReceivableGrp/EOYAmt0818898
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0SEE PAGE 2 FOR ORGANIZATION'S MISSION STATEMENT
IRS990/AdvertisingGrp/TotalAmt00
IRS990/AllOtherExpensesGrp/TotalAmt0-237301
IRS990/AuditCommitteeInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BenefitsToMembersGrp/TotalAmt011467531
IRS990/BooksInCareOfDetail/PersonNm0BOARD OF TRUSTEES
IRS990/BooksInCareOfDetail/PhoneNum02015070330
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0440 BARELL AVENUE
IRS990/BooksInCareOfDetail/USAddress/CityNm0CARLSTADT
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0NJ
IRS990/BooksInCareOfDetail/USAddress/ZIPCd007072
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt01249616
IRS990/CashNonInterestBearingGrp/EOYAmt01242594
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt04
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0156894
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0false
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/TotalAmt020122
IRS990/ConflictOfInterestPolicyInd0false
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/ContractorCompensationGrp/CompensationAmt0405099
IRS990/ContractorCompensationGrp/CompensationAmt1389526
IRS990/ContractorCompensationGrp/CompensationAmt2167730
IRS990/ContractorCompensationGrp/CompensationAmt31512925
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt0333 WESTCHESTER AVENUE
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt1151 FARMINGTON AVENUE
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt2PO BOX 511300
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt34316 RICE LAKE ROAD
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0WHITE PLAINS
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm1HARTFORD
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm2LOS ANGELES
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm3DULUTH
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0NY
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd1CT
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd2CA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd3MN
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd010604
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd106156
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd290051
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd355811
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt0AMALGAMATED LIFE INSURANCE
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt1AETNA LIFE INSURANCE CO
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt2UNICARE LIFE & HEALTH INSUR CO
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt3SIERRA HEALTH AND LIFE INSURANCE COMPANY INC
IRS990/ContractorCompensationGrp/ServicesDesc0STOP LOSS INSUR
IRS990/ContractorCompensationGrp/ServicesDesc1TPA MEDICAL BENEFITS
IRS990/ContractorCompensationGrp/ServicesDesc2LIFE & AD&D INSUR
IRS990/ContractorCompensationGrp/ServicesDesc3MEDICARE RETIREE BENEFITS
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt011467531
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0626498
IRS990/CYOtherExpensesAmt0573863
IRS990/CYOtherRevenueAmt06586
IRS990/CYProgramServiceRevenueAmt012127142
IRS990/CYRevenuesLessExpensesAmt0182918
IRS990/CYSalariesCompEmpBnftPaidAmt0535914
IRS990/CYTotalExpensesAmt012577308
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt012760226
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt05512
IRS990/Desc0THE FUND PROVIDES HOSPITAL, SURGICAL, MAJOR MEDICAL, DENTAL, PRESCRIPTION DRUG, VISION, LIFE INSURANCE AND OTHER BENEFITS TO ITS MEMBERS AND THEIR ELIGIBLE DEPENDENTS.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0false
IRS990/EmployeeCnt08
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt053240
IRS990/FeesForServicesLegalGrp/TotalAmt013886
IRS990/FeesForServicesLobbyingGrp/TotalAmt00
IRS990/FeesForServicesManagementGrp/TotalAmt00
IRS990/FeesForServicesOtherGrp/TotalAmt00
IRS990/FeesForServicesProfFundraising/TotalAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt0105065
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignGrantsGrp/TotalAmt00
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt60.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt70.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt050.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt140.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt25.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt35.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt45.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt55.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt65.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt75.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt081011
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt185162
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/PersonNm0KARLEEN O'NEILL
IRS990/Form990PartVIISectionAGrp/PersonNm1VIRGINIA OLSEN
IRS990/Form990PartVIISectionAGrp/PersonNm2JOSEPH DEMARK JR
IRS990/Form990PartVIISectionAGrp/PersonNm3CRAIG HOFFMANN
IRS990/Form990PartVIISectionAGrp/PersonNm4NICHOLAS COSTA
IRS990/Form990PartVIISectionAGrp/PersonNm5JOSEPH MELAHN
IRS990/Form990PartVIISectionAGrp/PersonNm6MARK MIHAL
IRS990/Form990PartVIISectionAGrp/PersonNm7LORI ESHENAUR
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt0156894
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1140808
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/TitleTxt0ADMINISTRATOR/ CONTROLLER
IRS990/Form990PartVIISectionAGrp/TitleTxt1ASSOC ADMINISTRA.
IRS990/Form990PartVIISectionAGrp/TitleTxt2Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt3Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt4Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt5Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt6Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt7Trustee
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/FormationYr01985
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt06
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt01161
IRS990/GrossReceiptsAmt012761387
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt0626498
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt0626498
IRS990/IndependentAuditFinclStmtInd0true
IRS990/IndependentVotingMemberCnt00
IRS990/IndivRcvdGreaterThan100KCnt02
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt00
IRS990/InsuranceGrp/TotalAmt021062
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/TotalAmt00
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt00
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt017424867
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt019875682
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt05600411
IRS990/InvestmentsPubTradedSecGrp/EOYAmt05941686
IRS990/IRPDocumentCnt01
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0266684
IRS990/LandBldgEquipBasisNetGrp/BOYAmt05512
IRS990/LandBldgEquipBasisNetGrp/EOYAmt00
IRS990/LandBldgEquipCostOrOtherBssAmt0266684
IRS990/LegalDomicileStateCd0NJ
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt01161
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0false
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0THE FUND PROVIDES HOSPITAL, SURGICAL, MAJOR MEDICAL, DENTAL, PRESCRIPTION DRUG, VISION, LIFE INSURANCE AND OTHER BENEFITS TO ITS MEMBERS AND THEIR ELIGIBLE DEPENDENTS.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt025914831
IRS990/NetAssetsOrFundBalancesEOYAmt027862253
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt00
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt01764504
IRS990/NoListedPersonsCompensatedInd0X
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt017641
IRS990/OfficeExpensesGrp/TotalAmt034218
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01468787
IRS990/OtherAssetsTotalGrp/EOYAmt0991156
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0145575
IRS990/OtherExpensesGrp/Desc0THIRD PARTY ADMINISTRATOR
IRS990/OtherExpensesGrp/Desc1ACTUARY FEES
IRS990/OtherExpensesGrp/Desc2COMPUTER PROCESSING SER
IRS990/OtherExpensesGrp/Desc3POSTAGE AND PRINTING
IRS990/OtherExpensesGrp/TotalAmt0407925
IRS990/OtherExpensesGrp/TotalAmt177668
IRS990/OtherExpensesGrp/TotalAmt248775
IRS990/OtherExpensesGrp/TotalAmt36050
IRS990/OtherLiabilitiesGrp/BOYAmt0842300
IRS990/OtherLiabilitiesGrp/EOYAmt01119500
IRS990/OtherRevenueMiscGrp/Desc0EMPLOYER REIMB LEGAL INT
IRS990/OtherRevenueMiscGrp/ExclusionAmt06586
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt06586
IRS990/OtherRevenueTotalAmt06586
IRS990/OtherSalariesAndWagesGrp/TotalAmt0164288
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt00
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt015684
IRS990/PensionPlanContributionsGrp/TotalAmt053473
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt00
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0COBRA
IRS990/ProgramServiceRevenueGrp/Desc1EMPLOYER CONTRIBUTIONS
IRS990/ProgramServiceRevenueGrp/Desc2RETIREES
IRS990/ProgramServiceRevenueGrp/Desc3SASMI
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt067674
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt110554944
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt21270412
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt3234112
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt067674
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt110554944
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt21270412
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3234112
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYBenefitsPaidToMembersAmt011494896
IRS990/PYInvestmentIncomeAmt0752947
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0496675
IRS990/PYOtherRevenueAmt019679
IRS990/PYProgramServiceRevenueAmt013211773
IRS990/PYRevenuesLessExpensesAmt01497766
IRS990/PYSalariesCompEmpBnftPaidAmt0495062
IRS990/PYTotalExpensesAmt012486633
IRS990/PYTotalRevenueAmt013984399
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0182918
IRS990/RelatedEntityInd0true
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt025914831
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt027862253
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0246872
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0166743
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0164911
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0164911
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt0382265
IRS990ScheduleD/ExpensesSubtotalAmt012195043
IRS990ScheduleD/InvestmentExpensesNotIncld2Amt0105065
IRS990ScheduleD/InvestmentExpensesNotIncldAmt0105065
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt097693
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt097693
IRS990ScheduleD/NetUnrealizedGainsInvstAmt01764504
IRS990ScheduleD/OtherExpensesNotIncludedAmt0277200
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt04080
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt04080
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0303888
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1815612
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0CLAIMS INCURRED BUT NOT REPORTED
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1CLAIMS PAYABLE
IRS990ScheduleD/RevenueNotReportedAmt01764504
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt0105065
IRS990ScheduleD/RevenueSubtotalAmt012655161
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0CHANGE IN IBNR $-3701 CHANGES IN CLAIMS PAYABLE $280901
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Part XII, Line 4b: Other revenue amounts included on 990 but not included in F/S
IRS990ScheduleD/TotalBookValueSecuritiesAmt019875682
IRS990ScheduleD/TotalExpensesPerForm990Amt012577308
IRS990ScheduleD/TotalLiabilityAmt01119500
IRS990ScheduleD/TotalRevenuePerForm990Amt012760226
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt014419665
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt012195043
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0156894
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1140808
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt081011
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt185162
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0KARLEEN O'NEILL
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1VIRGINIA OLSEN
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0ADMINISTRATOR/ CONTROLLER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1ASSOC ADMINISTRA.
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0237905
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1225970
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/NameOfInterested/PersonNm0VIRGINIA OLSEN
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/NameOfInterested/PersonNm1VIRGINIA OLSEN
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/RelationshipDescriptionTxt0NIECE
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/RelationshipDescriptionTxt1NIECE
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd0false
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd1false
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionAmt0140808
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionAmt185162
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionDesc0SALARY ASSOC ADMIN
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionDesc1BENEFITS ASSOC ADMIN
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE FORM 990 WAS PROVIDED TO THE PLAN ADMINISTRATOR, WHO THEN REVIEWS THE FORM 990 WITH THE BOARD OF TRUSTEES OF THE FUND BEFORE IT IS FILED WITH THE IRS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE BOARD OF TRUSTEES ANNUALLY REVIEWS COMPENSATION OF ALL FUND EMPLOYEES AND DETERMINES WHAT LEVEL OF COMPENSATION IS APPROPRIATE FOR THEM GIVEN CURRENT CONTRACTUAL AND MARKET CONDITIONS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE FUND MAKES ITS GOVERNING DOCUMENTS AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST. ONCE A REQUEST IS MADE, THE MANAGEMENT OF THE FUND ARRANGES A MUTUALLY CONVENIENT MEETING TO REVIEW ALL REQUESTED INFORMATION TO THE REQUESTED PARTIES SATISFACTION.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section B, Line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section C, Line 19
IRS990ScheduleR/AssetExchangeInd0false
IRS990ScheduleR/AssetPurchaseFromOtherOrgInd0false
IRS990ScheduleR/AssetSaleToOtherOrgInd0false
IRS990ScheduleR/DivRelatedOrganizationInd0false
IRS990ScheduleR/GiftGrntCapContriFromOthOrgInd0false
IRS990ScheduleR/GiftGrntOrCapContriToOthOrgInd0false
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/ControlledOrganizationInd0false
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/ControlledOrganizationInd1false
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/ControlledOrganizationInd2false
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/ControlledOrganizationInd3false
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/ControlledOrganizationInd4false
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/ControlledOrganizationInd5false
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/ControlledOrganizationInd6false
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/ControlledOrganizationInd7false
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/ControlledOrganizationInd8false
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/ControlledOrganizationInd9false
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/ControlledOrganizationInd10false
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/ControlledOrganizationInd11false
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/ControlledOrganizationInd12false
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/ControlledOrganizationInd13false
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/ControlledOrganizationInd14false
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/ControlledOrganizationInd15false
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/ControlledOrganizationInd16false
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/ControlledOrganizationInd17false
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/ControlledOrganizationInd18false
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/ControlledOrganizationInd19false
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/ControlledOrganizationInd20false
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/ControlledOrganizationInd21false
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/ControlledOrganizationInd22false
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/ControlledOrganizationInd23false
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/ControlledOrganizationInd24false
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/ControlledOrganizationInd25false
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/ControlledOrganizationInd26false
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/ControlledOrganizationInd27false
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/ControlledOrganizationInd28false
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/ControlledOrganizationInd29false
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/ControlledOrganizationInd30false
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/ControlledOrganizationInd31false
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/ControlledOrganizationInd32false

Document Assets

No mirrored PDF or thumbnail assets are attached yet.