Civic Intelligence

Pawling Central School Teachers Association Benefit Trust Fund

990 • Fiscal year 2015 • EIN 22-2658321

Jul 01, 2014 to Jun 30, 2015 • Filed on Jan 29, 2016

Organization Profilewww.insuranceprogrammers.com
10 Technology DriveWallingford, CT 06492

(203) 949-3230

Siviq Scores

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

Liabilities / Assets

91st percentile

0.36x

Higher debt load relative to assets than 91% of similar nonprofits.

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

Liabilities / Revenue

92nd percentile

0.51x

Higher debt load relative to revenue than 92% of similar nonprofits.

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

Net Margin

39th percentile

-4.3%

Higher net margin than 39% of similar nonprofits.

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

Top Officer Pay

71st percentile

$500

Higher top officer pay than 71% of similar nonprofits.

Top officer pay equals 0.2% of source-year revenue.

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

Asset Growth

49th percentile

-1.8%

Faster asset growth than 49% of similar nonprofits.

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

Revenue Growth

76th percentile

8.9%

Faster revenue growth than 76% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets91st percentile

Assets

Down

$335,714

Down $6,216 (-1.8%) from 2014

Net Assets

Down

$214,821

Down $10,278 (-4.6%) from 2014

Liabilities

Up

$120,893

Up $4,062 (+3.5%) from 2014

Revenue And Expenses
Liabilities / Revenue92nd percentileNet Margin39th percentile

Revenue

Up

$236,706

Up $19,422 (+8.9%) from 2014

Expenses

Up

$246,984

Up $29,179 (+13%) from 2014

Net Income

Down

-$10,278

Down $9,757 (-1873%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth49th percentile

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

$400K$300K$200K$100K$0Assets 2011: $229,476Liabilities 2011: $18,489Net Assets 2011: $210,9872011Assets 2012: $230,759Liabilities 2012: $15,183Net Assets 2012: $215,5762012Assets 2013: $246,640Liabilities 2013: $21,020Net Assets 2013: $225,6202013Assets 2014: $341,930Liabilities 2014: $116,831Net Assets 2014: $225,0992014Assets 2015: $335,714Liabilities 2015: $120,893Net Assets 2015: $214,8212015Assets 2016: $346,318Liabilities 2016: $140,730Net Assets 2016: $205,5882016Assets 2017: $289,490Liabilities 2017: $131,744Net Assets 2017: $157,7462017Assets 2018: $284,638Liabilities 2018: $137,848Net Assets 2018: $146,7902018Assets 2019: $133,399Liabilities 2019: $38,564Net Assets 2019: $94,8352019Assets 2020: $267,422Liabilities 2020: $161,834Net Assets 2020: $105,5882020Assets 2021: $247,240Liabilities 2021: $152,687Net Assets 2021: $94,5532021Assets 2022: $137,226Liabilities 2022: $45,545Net Assets 2022: $91,6812022Assets 2023: $141,116Liabilities 2023: $55,568Net Assets 2023: $85,5482023Assets 2024: $154,882Liabilities 2024: $45,781Net Assets 2024: $109,1012024Assets 2025: $277,986Liabilities 2025: $151,632Net Assets 2025: $126,3542025

Highlighted filing

2015

Assets$335,714
Liabilities$120,893
Net Assets$214,821
Open 2015 Filing

Operations Trend

Revenue Growth76th percentile

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

$300K$200K$100K$0-$100KExpenses 2011: $230,3802011Expenses 2012: $242,0632012Expenses 2013: $212,3232013Revenue 2014: $217,284Expenses 2014: $217,805Net Income 2014: -$5212014Revenue 2015: $236,706Expenses 2015: $246,984Net Income 2015: -$10,2782015Revenue 2016: $230,793Expenses 2016: $240,026Net Income 2016: -$9,2332016Revenue 2017: $239,554Expenses 2017: $287,396Net Income 2017: -$47,8422017Revenue 2018: $248,101Expenses 2018: $259,057Net Income 2018: -$10,9562018Revenue 2019: $242,985Expenses 2019: $294,940Net Income 2019: -$51,9552019Revenue 2020: $255,477Expenses 2020: $244,724Net Income 2020: $10,7532020Revenue 2021: $260,408Expenses 2021: $271,443Net Income 2021: -$11,0352021Revenue 2022: $256,032Expenses 2022: $258,904Net Income 2022: -$2,8722022Revenue 2023: $278,603Expenses 2023: $284,736Net Income 2023: -$6,1332023Revenue 2024: $274,372Expenses 2024: $250,819Net Income 2024: $23,5532024Revenue 2025: $277,816Expenses 2025: $260,563Net Income 2025: $17,2532025

Highlighted filing

2015

Revenue$236,706
Expenses$246,984
Net Income-$10,278
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jul 1, 2014 to Jun 30, 2015
Signed
Jan 29, 2016
Return Version
2014v6.0
Gross Receipts
$236,706
Mission and Program Overview

Mission

To provide dental and vision benefits to enrollees and their dependents.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$166,886$184,924▲ $18,038
Savings and Temporary Cash Investments$175,044$150,790▼ $24,254
Accounts Receivable-$0-
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-
Investments in Publicly Traded Securities-$0-
Land, Buildings, and Equipment, Net-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Prepaid Expenses and Deferred Charges-$0-
Total Assets$341,930$335,714▼ $6,216
Other Assets Total-$0-
Liabilities
Deferred Revenue$104,463$98,150▼ $6,313
Accounts Payable and Accrued Expenses$12,368$22,743▲ $10,375
Total Liabilities$116,831$120,893▲ $4,062
Net Assets / Fund Balance
Unrestricted Net Assets$225,099$214,821▼ $10,278
Total Net Assets Fund Balance$225,099$214,821▼ $10,278
Total Liabilities and Net Assets / Fund Balance$341,930$335,714▼ $6,216
Compensation and Service Providers
Top Officer Pay71st percentile

Employees

NameTitleBaseTotal
Margaret MaaszChairman$500$500
Nicole SawatkaChairman$250$250
Jennifer GillottiTrustee$250$250
Elizabeth StevensTrustee$120$120
James AgostinelliTrustee$120$120
Jennifer BuckleyTrustee$120$120
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$236,066
Investment Income
$640
Other Revenue
$0
Change in Net Assets
$-10,278
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$15,199
Salaries, Compensation, and Employee Benefits$1,360
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members---$230,425
Fees for Services Accounting---$3,240
Current Officers, Directors, Trustees, and Key Employees---$1,360
Insurance---$280
Office Expenses---$245
Other Expenses---$114
Total Functional Expenses$0$0$0$246,984
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-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
No
Audit committee
Yes
Backup withholding compliance
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
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
Yes

Governance Explanations

Form 990, Part VI, Line 11B: Form 990 Review Process

“No review was or will be conducted.”

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

“No documents available to the public.”

Filing and Contact Details

Filer

Filer Name
Pawling Central School Teachers
EIN
22-2658321
Phone
2039493230
Address
10 TECHNOLOGY DRIVE, WALLINGFORD, CT 06492

Signing Officer

Name
Nicole Sawatka
Title
Chairman
Signed
2016-01-29
Discuss with paid preparer
Yes

Organization Details

Formed
1984
Legal Domicile
Ny
Voting Board Members
6
Independent Board Members
0
Employees
0

Preparer

Firm
Melillo & Mitchell LLC
Address
6 Berkshire Boulevard 301, Bethel, CT 06801
Preparer
Scott S Mitchell
Phone
2037443450
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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/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990/TypeOfOrganizationTrustInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UnrestrictedNetAssetsGrp/BOYAmt0225099
IRS990/UnrestrictedNetAssetsGrp/EOYAmt0214821
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt06
IRS990/VotingMembersIndependentCnt00
IRS990/WebsiteAddressTxt0www.insuranceprogrammers.com
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02016-04-25 22:37:26Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0NICOLE SAWATKA
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Chairman
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-01-29
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0PAWLING CENTRAL SCHOOL TEACHERS
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0ASSOCIATION BENEFIT TRUST FUND
ReturnHeader/Filer/BusinessNameControlTxt0PAWL
ReturnHeader/Filer/EIN0222658321
ReturnHeader/Filer/PhoneNum02039493230
ReturnHeader/Filer/USAddress/AddressLine1Txt010 TECHNOLOGY DRIVE
ReturnHeader/Filer/USAddress/CityNm0WALLINGFORD
ReturnHeader/Filer/USAddress/StateAbbreviationCd0CT
ReturnHeader/Filer/USAddress/ZIPCd006492
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Melillo & Mitchell LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt06 Berkshire Boulevard 301
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Bethel
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0CT
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd006801
ReturnHeader/PreparerPersonGrp/PhoneNum02037443450
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Scott S Mitchell
ReturnHeader/ReturnTs02016-01-29T08:40:58-08:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-07-01
ReturnHeader/TaxPeriodEndDt02015-06-30
ReturnHeader/TaxYr02014

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$335,714
Liabilities
$120,893
Net assets
$214,821
Revenue
$236,706
Expenses
$246,984
Net income
-$10,278
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.78$1.52$1.26$2.78$2.61$0.17
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.55$0.46$1.09$2.74$2.51$0.24
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.41$0.56$0.86$2.79$2.85$0.06
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.37$0.46$0.92$2.56$2.59$0.03
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.47$1.53$0.95$2.60$2.71$0.11
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.67$1.62$1.06$2.55$2.45$0.11
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.33$0.39$0.95$2.43$2.95$0.52
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.85$1.38$1.47$2.48$2.59$0.11
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.89$1.32$1.58$2.40$2.87$0.48
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.46$1.41$2.06$2.31$2.40$0.09
2015Detailed filing. Detailed filing data is available for this year.$3.36$1.21$2.15$2.37$2.47$0.10
2014Detailed filing. Detailed filing data is available for this year.$3.42$1.17$2.25$2.17$2.18$0.01
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.47$0.21$2.26$2.12
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.31$0.15$2.16$2.42
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.29$0.18$2.11$2.30