Civic Intelligence

Fulton Financial Corp Employee

EIN 23-2168645 • 501(c)9 • Lancaster, PA

Profile

The fulton financial corporation employee benefit plan provides health and welfare benefits to all eligible employees.

One Penn Square PO Box 4887Lancaster, PA 17604

n/A

Siviq Scores

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

Liabilities / Assets

17th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

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

Liabilities / Revenue

21st percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

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

Net Margin

39th percentile

1.7%

Higher net margin than 39% of similar nonprofits.

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

Top Officer Pay

44th percentile

$0

Higher top officer pay than 44% of similar nonprofits.

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

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

Asset Growth

98th percentile

66%

Faster asset growth than 98% of similar nonprofits.

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

Revenue Growth

78th percentile

17%

Faster revenue growth than 78% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets17th percentile

Assets

Up

$2,124,585

Up $848,391 (+66%) from 2023

Liabilities

Flat

$0

Flat from 2023

Net Assets

Up

$2,124,585

Up $848,391 (+66%) from 2023

Operations
Liabilities / Revenue21st percentileNet Margin39th percentile

Revenue

Up

$49,812,867

Up $7,281,269 (+17%) from 2023

Expenses

Up

$48,964,476

Up $6,634,688 (+16%) from 2023

Net Income

Up

$848,391

Up $646,581 (+320%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth98th percentile

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

$3.0M$2.0M$1.0M$0Assets 2011: $2,688,301Liabilities 2011: $0Net Assets 2011: $2,688,3012011Assets 2012: $2,336,307Liabilities 2012: $0Net Assets 2012: $2,336,3072012Assets 2013: $1,430,788Liabilities 2013: $0Net Assets 2013: $1,430,7882013Assets 2014: $688,907Liabilities 2014: $0Net Assets 2014: $688,9072014Assets 2015: $1,014,585Liabilities 2015: $0Net Assets 2015: $1,014,5852015Assets 2016: $676,733Liabilities 2016: $0Net Assets 2016: $676,7332016Assets 2017: $320,069Liabilities 2017: $0Net Assets 2017: $320,0692017Assets 2018: $1,692,725Liabilities 2018: $0Net Assets 2018: $1,692,7252018Assets 2019: $1,214,736Liabilities 2019: $0Net Assets 2019: $1,214,7362019Assets 2020: $318,394Liabilities 2020: $0Net Assets 2020: $318,3942020Assets 2021: $1,870,232Liabilities 2021: $0Net Assets 2021: $1,870,2322021Assets 2022: $1,074,384Liabilities 2022: $0Net Assets 2022: $1,074,3842022Assets 2023: $1,276,194Liabilities 2023: $0Net Assets 2023: $1,276,1942023Assets 2024: $2,124,585Liabilities 2024: $0Net Assets 2024: $2,124,5852024

Highlighted filing

2024

Assets$2,124,585
Liabilities$0
Net Assets$2,124,585
Open 2024 Filing

Operations Trend

Revenue Growth78th percentile

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

$60M$40M$20M$0-$20MRevenue 2011: $24,793,535Expenses 2011: $27,322,737Net Income 2011: -$2,529,2022011Revenue 2012: $27,067,352Expenses 2012: $27,419,346Net Income 2012: -$351,9942012Revenue 2013: $29,163,901Expenses 2013: $30,069,420Net Income 2013: -$905,5192013Revenue 2014: $31,859,475Expenses 2014: $32,601,356Net Income 2014: -$741,8812014Revenue 2015: $30,066,994Expenses 2015: $29,741,316Net Income 2015: $325,6782015Revenue 2016: $32,730,456Expenses 2016: $33,068,308Net Income 2016: -$337,8522016Revenue 2017: $33,468,773Expenses 2017: $33,825,437Net Income 2017: -$356,6642017Revenue 2018: $34,856,085Expenses 2018: $33,483,429Net Income 2018: $1,372,6562018Revenue 2019: $34,370,242Expenses 2019: $34,848,231Net Income 2019: -$477,9892019Revenue 2020: $34,558,317Expenses 2020: $35,454,659Net Income 2020: -$896,3422020Revenue 2021: $39,150,272Expenses 2021: $37,598,434Net Income 2021: $1,551,8382021Revenue 2022: $36,900,146Expenses 2022: $37,695,994Net Income 2022: -$795,8482022Revenue 2023: $42,531,598Expenses 2023: $42,329,788Net Income 2023: $201,8102023Revenue 2024: $49,812,867Expenses 2024: $48,964,476Net Income 2024: $848,3912024

Highlighted filing

2024

Revenue$49,812,867
Expenses$48,964,476
Net Income$848,391
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$2,124,585
Liabilities
$0
Net assets
$2,124,585
Revenue
$49,812,867
Expenses
$48,964,476
Net income
$848,391
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.12$0.00$2.12$49.8$49.0$0.85
2023Detailed filing. Detailed filing data is available for this year.$1.28$0.00$1.28$42.5$42.3$0.20
2022Detailed filing. Detailed filing data is available for this year.$1.07$0.00$1.07$36.9$37.7$0.80
2021Detailed filing. Detailed filing data is available for this year.$1.87$0.00$1.87$39.2$37.6$1.55
2020Detailed filing. Detailed filing data is available for this year.$0.32$0.00$0.32$34.6$35.5$0.90
2019Detailed filing. Detailed filing data is available for this year.$1.21$0.00$1.21$34.4$34.8$0.48
2018Detailed filing. Detailed filing data is available for this year.$1.69$0.00$1.69$34.9$33.5$1.37
2017Summary only. Only limited summary data is available for this year.$0.32$0.00$0.32$33.5$33.8$0.36
2016Summary only. Only limited summary data is available for this year.$0.68$0.00$0.68$32.7$33.1$0.34
2015Summary only. Only limited summary data is available for this year.$1.01$0.00$1.01$30.1$29.7$0.33
2014Summary only. Only limited summary data is available for this year.$0.69$0.00$0.69$31.9$32.6$0.74
2013Summary only. Only limited summary data is available for this year.$1.43$0.00$1.43$29.2$30.1$0.91
2012Summary only. Only limited summary data is available for this year.$2.34$0.00$2.34$27.1$27.4$0.35
2011Summary only. Only limited summary data is available for this year.$2.69$0.00$2.69$24.8$27.3$2.53
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 17, 2025
Return Version
2024v5.1
Gross Receipts
$49,812,867
Mission and Program Overview

Mission

The fulton financial corporation employee benefit plan provides health and welfare benefits to all eligible employees.

Employee benefit plan for fulton financial corporation.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cap Stk Tr Prin Current Funds$1,276,194$2,124,585▲ $848,391
Savings and Temporary Cash Investments$933,794$1,731,301▲ $797,507
Cash and Non-Interest-Bearing Accounts$342,400$393,284▲ $50,884
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Other Securities$0--
Investments Program Related$0--
Land, Buildings, and Equipment, Net$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$1,276,194$2,124,585▲ $848,391
Other Assets Total$0$0→ $0
Liabilities
Other Liabilities$0$0→ $0
Total Liabilities$0$0→ $0
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,276,194$2,124,585▲ $848,391
Total Liabilities and Net Assets / Fund Balance$1,276,194$2,124,585▲ $848,391
Compensation and Service Providers
Top Officer Pay44th percentile

Board Members and Trustees

NameTitle
Fulton Bank Trust DepartmentTrustee

Highest Paid Contractors

ContractorServicesLocationCompensation
Ap Benefit Advisors LLCAdministrative Fees200 INTL CIRCLE SUITE 4500, Hunt Valley, ME 21030$206,692
United ConcordiaInsurance Admin Fees4401 DEER PATH ROAD, Harrisburg, PA 17110$188,381
Sedgwick Claims Management ServicesInsurance Admin Fees8125 SEDGWICK WAY, Memphis, TN 38125$174,702
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$49,746,470
Investment Income
$66,397
Other Revenue
$0
Change in Net Assets
$848,391

Audited Revenue Reconciliation

Revenue per Audited Statements
$49,812,867
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$49,812,867
Total Revenue per Form 990
$49,812,867
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$5,896,546
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members---$43,067,930
Fees for Services Other---$2,384,661
Other Expenses---$73,890
Fees for Services Accounting---$65,343
Total Functional Expenses$0$0$0$48,964,476

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$48,964,476
Total Expenses per Audited Statements$48,964,476
Total Expenses per Form 990$48,964,476
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Other Expense Adjustments$0
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
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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
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 15

“The organization does not have any officers or key employees so both lines 15a and 15b have been intentionally marked "no."”

Form 990, Part VI, Line 11B Review of form 990 by governing body

“The form 990 is provided to the vp/benefits manager by the return preparer prior to filing. This individual reviews and reports any findings or reportable transactions to the principal officer and, if significant, to the human resource committee.”

Form 990, Part VI, Line 12C Conflict of interest policy

“The organization requires disclosure of conflicts of interest of directors, if applicable.”

Form 990, Part VI, Line 19 Required documents available to the public

“The organization makes its documents available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Fulton Financial Corp Employee Benefit Trust
EIN
23-2168645
Phone
7172912123
Address
ONE PENN SQUARE PO BOX 4887, LANCASTER, PA 17604

Signing Officer

Name
Elli Miller
Title
VP/benefits Manager
Phone
7172912123
Signed
2025-11-17
Discuss with paid preparer
Yes

Organization Details

Formed
1981
Legal Domicile
Pa
Voting Board Members
1
Independent Board Members
1
Employees
0
Volunteers
0

Preparer

Firm
Bdo USA
Address
200 OTTAWA AVE NW STE 300, GRAND RAPIDS, MI 49503-2426
Preparer
Jake Cook
Phone
6167747000
Raw XML Appendix356 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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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION DOES NOT HAVE ANY OFFICERS OR KEY EMPLOYEES SO BOTH LINES 15A AND 15B HAVE BEEN INTENTIONALLY MARKED "NO."
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE FORM 990 IS PROVIDED TO THE VP/BENEFITS MANAGER BY THE RETURN PREPARER PRIOR TO FILING. THIS INDIVIDUAL REVIEWS AND REPORTS ANY FINDINGS OR REPORTABLE TRANSACTIONS TO THE PRINCIPAL OFFICER AND, IF SIGNIFICANT, TO THE HUMAN RESOURCE COMMITTEE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE ORGANIZATION REQUIRES DISCLOSURE OF CONFLICTS OF INTEREST OF DIRECTORS, IF APPLICABLE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE ORGANIZATION MAKES ITS DOCUMENTS AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 11b Review of form 990 by governing body
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Line 12c Conflict of interest policy
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Line 19 Required documents available to the public
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ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0ELLI MILLER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0VP/BENEFITS MANAGER
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ReturnHeader/BusinessOfficerGrp/SignatureDt02025-11-17
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0FULTON FINANCIAL CORP EMPLOYEE BENEFIT TRUST
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ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0135381590
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0BDO USA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0200 OTTAWA AVE NW STE 300
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0GRAND RAPIDS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0495032426
ReturnHeader/PreparerPersonGrp/PhoneNum06167747000
ReturnHeader/PreparerPersonGrp/PreparationDt02025-11-13
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0JAKE COOK
ReturnHeader/ReturnTs02025-11-17T16:23:05+00:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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