Civic Intelligence

Retiree & Surv Depend Med & Life Insur

990 • Fiscal year 2019 • EIN 23-2817834

Jan 01, 2019 to Dec 31, 2019 • Filed on Nov 09, 2020

Organization ProfileN/A

View Organization Page

762 W Lancaster AveBryn Mawr, PA 19010

(610) 645-4202

Siviq Scores

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

Liabilities / Assets

38th percentile

0.01x

Higher debt load relative to assets than 38% of similar nonprofits.

2019 filings • 501(c)9 • $25M-$50M nonprofits • Source year 2019

Liabilities / Revenue

99th percentile

2.47x

Higher debt load relative to revenue than 99% of similar nonprofits.

2019 filings • 501(c)9 • $25M-$50M nonprofits • Source year 2019

Net Margin

1st percentile

-475%

Higher net margin than 1% of similar nonprofits.

2019 filings • 501(c)9 • $25M-$50M nonprofits • Source year 2019

Top Officer Pay

49th percentile

$10,280

Higher top officer pay than 49% of similar nonprofits.

Top officer pay equals 8.4% of source-year revenue.

2019 filings • 501(c)9 • $25M-$50M nonprofits • Source year 2019

Asset Growth

77th percentile

19%

Faster asset growth than 77% of similar nonprofits.

2019 filings • 501(c)9 • $25M-$50M nonprofits • Annualized from 2018 to 2019

Revenue Growth

1st percentile

-91%

Faster revenue growth than 1% of similar nonprofits.

2019 filings • 501(c)9 • $25M-$50M nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets38th percentile

Assets

Up

$33,639,282

Up $5,405,845 (+19%) from 2018

Net Assets

Up

$33,339,205

Up $5,184,453 (+18%) from 2018

Liabilities

Up

$300,077

Up $221,392 (+281%) from 2018

Revenue And Expenses
Liabilities / Revenue99th percentileNet Margin1st percentile

Revenue

Down

$121,674

Down $1,173,307 (-91%) from 2018

Expenses

Up

$699,148

Up $22,117 (+3.3%) from 2018

Net Income

Down

-$577,474

Down $1,195,424 (-193%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth77th percentile

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

$60M$40M$20M$0Assets 2011: $14,778,252Liabilities 2011: $44,843Net Assets 2011: $14,733,4092011Assets 2014: $23,072,193Liabilities 2014: $49,367Net Assets 2014: $23,022,8262014Assets 2015: $24,112,961Liabilities 2015: $92,698Net Assets 2015: $24,020,2632015Assets 2016: $26,074,229Liabilities 2016: $103,900Net Assets 2016: $25,970,3292016Assets 2017: $29,160,510Liabilities 2017: $46,750Net Assets 2017: $29,113,7602017Assets 2018: $28,233,437Liabilities 2018: $78,685Net Assets 2018: $28,154,7522018Assets 2019: $33,639,282Liabilities 2019: $300,077Net Assets 2019: $33,339,2052019Assets 2020: $36,920,891Liabilities 2020: $90,546Net Assets 2020: $36,830,3452020Assets 2021: $41,078,552Liabilities 2021: $111,099Net Assets 2021: $40,967,4532021Assets 2022: $31,815,072Liabilities 2022: $42,838Net Assets 2022: $31,772,2342022Assets 2024: $37,114,638Liabilities 2024: $0Net Assets 2024: $37,114,6382024

Highlighted filing

2019

Assets$33,639,282
Liabilities$300,077
Net Assets$33,339,205
Open 2019 Filing

Operations Trend

Revenue Growth1st percentile

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

$3.0M$2.0M$1.0M$0-$1.0MRevenue 2011: $1,490,981Expenses 2011: $427,531Net Income 2011: $1,063,4502011Revenue 2014: $761,653Expenses 2014: $486,300Net Income 2014: $275,3532014Revenue 2015: $2,144,996Expenses 2015: $528,370Net Income 2015: $1,616,6262015Revenue 2016: $1,707,279Expenses 2016: $580,703Net Income 2016: $1,126,5762016Revenue 2017: $176,608Expenses 2017: $624,780Net Income 2017: -$448,1722017Revenue 2018: $1,294,981Expenses 2018: $677,031Net Income 2018: $617,9502018Revenue 2019: $121,674Expenses 2019: $699,148Net Income 2019: -$577,4742019Revenue 2020: $34,411Expenses 2020: $759,942Net Income 2020: -$725,5312020Revenue 2021: $21,193Expenses 2021: $951,737Net Income 2021: -$930,5442021Revenue 2022: $934,904Expenses 2022: $889,093Net Income 2022: $45,8112022Revenue 2024: $2,335,297Expenses 2024: $1,417,300Net Income 2024: $917,9972024

Highlighted filing

2019

Revenue$121,674
Expenses$699,148
Net Income-$577,474
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Nov 9, 2020
Return Version
2019v5.1
Gross Receipts
$121,674
Mission and Program Overview

Mission

To provide retiree and surviving dependents medical & life insurance benefits for local 473 employees of the philadelphia suburban division of aqua pennsylvania.

Provides for retiree & surviving dependents medical & life insurance benefits for local 473 employees of the philadelphia suburban division of aqua penna., inc.

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$28,154,752$33,339,205▲ $5,184,453
Investments Other Securities$25,753,437$31,515,365▲ $5,761,928
Savings and Temporary Cash Investments$2,477,227$2,121,189▼ $356,038
Accounts Receivable$2,773$2,728▼ $45
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$28,233,437$33,639,282▲ $5,405,845
Liabilities
Accounts Payable and Accrued Expenses$78,685$300,077▲ $221,392
Total Liabilities$78,685$300,077▲ $221,392
Net Assets / Fund Balance
Total Net Assets Fund Balance$28,154,752$33,339,205▲ $5,184,453
Total Liabilities and Net Assets / Fund Balance$28,233,437$33,639,282▲ $5,405,845

Asset Categories

AssetBook ValueDepreciationBasis
Other Securities$31,515,365--
Compensation and Service Providers
Top Officer Pay49th percentile

Employees

NameTitleBaseTotal
Christopher LuningInstitutional Trustee$10,280$10,280

Board Members and Trustees

NameTitle
-Chairman and CEO
Christopher FranklinSr. Vice President
Robert a RubinExec. VP, Counsel, Secretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$74,395
Investment Income
$47,279
Other Revenue
$0
Change in Net Assets
$-577,474

Audited Revenue Reconciliation

Revenue per Audited Statements
$121,674
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$5,761,927
Total Revenue per Audited Statements
$5,883,601
Total Revenue per Form 990
$121,674
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$90,533
Salaries, Compensation, and Employee Benefits$10,280
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members---$598,335
Fees for Service Investment Mgmnt Fees---$60,973
Fees for Services Accounting---$21,100
Current Officers, Directors, Trustees, and Key Employees---$10,280
Fees for Services Other---$7,013
Fees for Services Legal---$1,447
Total Functional Expenses$0$0$0$699,148

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$699,148
Total Expenses per Audited Statements$699,148
Total Expenses per Form 990$699,148
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$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
Subject to proxy tax
No
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
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 return is reviewed by an officer, vice president of tax and then reviewed and signed by an authorized officer. The form 990 document will be available for all members after it has been filed with the u.s. Treasury. Upon filing, the document is available to all members upon request.”

Form 990, Part VI, Section C, Line 19

“The documents are available for review per treasury regulation section 301-6104 (d) 1-4.”

Form 990, Part VII Contact Addresses for Officers, Directors, Etc

“Bank of america - 208 harristown road, glen rock, nj 07452.”

Filing and Contact Details

Filer

Filer Name
Retiree & Surv Depend Med & Life Insur
EIN
23-2817834
Phone
6106454202
Address
762 W LANCASTER AVE, BRYN MAWR, PA 19010

Signing Officer

Name
Christine Saball
Title
Vice President
Phone
6106454202
Signed
2020-11-09
Discuss with paid preparer
No

Organization Details

Principal Officer
Robert a Rubin
Formed
1996
Legal Domicile
Pa
Voting Board Members
4
Independent Board Members
1
Employees
0
Volunteers
3

Preparer

Firm
Schneider Downs & Co Inc
Address
ONE PPG PLACE SUITE 1700, PITTSBURGH, PA 15222
Preparer
Eugene J Logan
Phone
4122613644
Supplemental Narrative

Additional Explanations

FROM 990, PART XII, LINE 2C:

“The trust has a committee that assumes responsibility for oversight of the audit of its financial statements and its selection of the independent accountant. The selection and oversight process did not change from the prior year.”

Financial Statement Notes

PART X, LINE 2:

“The internal revenue service (irs), in a letter dated march 7, 1996, has made a determination that the plan meets the requirements of section 501(c)(9) of the irc and is, accordingly, generally exempt from federal and state taxes. The plan has been amended since receiving the latest determination letter; however, the plan administrator and the plan's counsel believe that the plan is currently designed and being operated in compliance with applicable requirements of the irc, and therefore, believes that the related trust is tax-exempt. Accounting principles generally accepted in the united states of america require management to evaluate tax positions taken by the plan and recognize a tax liability if the plan has taken an uncertain position that more likely than not would not be sustained upon examination by the irs. The plan is subject to routine audits by taxing jurisdictions; however, there are currently no audits for any tax periods in progress. The plan administrator believes that the plan is no longer subject to income tax examinations for years prior to 2016.”

Raw XML Appendix317 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/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt078685
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0300077
IRS990/AccountsReceivableGrp/BOYAmt02773
IRS990/AccountsReceivableGrp/EOYAmt02728
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0PROVIDES FOR RETIREE & SURVIVING DEPENDENTS MEDICAL & LIFE INSURANCE BENEFITS FOR LOCAL 473 EMPLOYEES OF THE PHILADELPHIA SUBURBAN DIVISION OF AQUA PENNA., INC.
IRS990/AuditCommitteeInd01
IRS990/BenefitsToMembersGrp/TotalAmt0598335
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0AQUA PENNSYLVANIA INC
IRS990/BooksInCareOfDetail/PhoneNum06106454202
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0762 W LANCASTER AVE
IRS990/BooksInCareOfDetail/USAddress/CityNm0BRYN MAWR
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0PA
IRS990/BooksInCareOfDetail/USAddress/ZIPCd019010
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt010280
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd00
IRS990/CompensationProcessOtherInd00
IRS990/ConflictOfInterestPolicyInd00
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt0598335
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
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IRS990/CYOtherExpensesAmt090533
IRS990/CYOtherRevenueAmt00
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IRS990/CYRevenuesLessExpensesAmt0-577474
IRS990/CYSalariesCompEmpBnftPaidAmt010280
IRS990/CYTotalExpensesAmt0699148
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0121674
IRS990/DecisionsSubjectToApprovaInd00
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/Desc0TO PROVIDE RETIREE AND SURVIVING DEPENDENTS MEDICAL & LIFE INSURANCE BENEFITS FOR LOCAL 473 EMPLOYEES OF THE PHILADELPHIA SUBURBAN DIVISION OF AQUA PENNSYLVANIA.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd00
IRS990/EmployeeCnt00
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt021100
IRS990/FeesForServicesLegalGrp/TotalAmt01447
IRS990/FeesForServicesOtherGrp/TotalAmt07013
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt060973
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form8282PropertyDisposedOfInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt10.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt20.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt30.00
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt0BANK OF AMERICA
IRS990/Form990PartVIISectionAGrp/InstitutionalTrusteeInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/PersonNm0CHRISTOPHER LUNING
IRS990/Form990PartVIISectionAGrp/PersonNm1ROBERT A RUBIN
IRS990/Form990PartVIISectionAGrp/PersonNm2CHRISTOPHER FRANKLIN
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt010280
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/TitleTxt0INSTITUTIONAL TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt1EXEC. VP, COUNSEL, SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt2SR. VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt3CHAIRMAN AND CEO
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/FormationYr01996
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt04
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt0121674
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt01
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InvestmentIncomeGrp/ExclusionAmt047279
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt047279
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt025753437
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt031515365
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
IRS990/LegalDomicileStateCd0PA
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd00
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO PROVIDE RETIREE AND SURVIVING DEPENDENTS MEDICAL & LIFE INSURANCE BENEFITS FOR LOCAL 473 EMPLOYEES OF THE PHILADELPHIA SUBURBAN DIVISION OF AQUA PENNSYLVANIA.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt028154752
IRS990/NetAssetsOrFundBalancesEOYAmt033339205
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt05761927
IRS990/NondeductibleContributionsInd00
IRS990/OfficerMailingAddressInd01
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherChangesInNetAssetsAmt00
IRS990/PartialLiquidationInd00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrincipalOfficerNm0ROBERT A RUBIN
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0900099
IRS990/ProgramServiceRevenueGrp/Desc0PARTICIPANT CONTRIB.
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt074395
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt074395
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt0563730
IRS990/PYContributionsGrantsAmt01267899
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt027082
IRS990/PYOtherExpensesAmt0113301
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt00
IRS990/PYRevenuesLessExpensesAmt0617950
IRS990/PYSalariesCompEmpBnftPaidAmt00
IRS990/PYTotalExpensesAmt0677031
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt01294981
IRS990/QuidProQuoContributionsInd00
IRS990/ReconcilationRevenueExpnssAmt0-577474
IRS990/RelatedEntityInd01
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd00
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt028154752
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt033339205
IRS990/SavingsAndTempCashInvstGrp/BOYAmt02477227
IRS990/SavingsAndTempCashInvstGrp/EOYAmt02121189
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt0699148
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/NetUnrealizedGainsInvstAmt05761927
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt031515365
IRS990ScheduleD/OtherSecuritiesGrp/Desc0COLLECTIVE TRUSTS
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0F
IRS990ScheduleD/RevenueNotReportedAmt05761927
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt0121674
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE INTERNAL REVENUE SERVICE (IRS), IN A LETTER DATED MARCH 7, 1996, HAS MADE A DETERMINATION THAT THE PLAN MEETS THE REQUIREMENTS OF SECTION 501(C)(9) OF THE IRC AND IS, ACCORDINGLY, GENERALLY EXEMPT FROM FEDERAL AND STATE TAXES. THE PLAN HAS BEEN AMENDED SINCE RECEIVING THE LATEST DETERMINATION LETTER; HOWEVER, THE PLAN ADMINISTRATOR AND THE PLAN'S COUNSEL BELIEVE THAT THE PLAN IS CURRENTLY DESIGNED AND BEING OPERATED IN COMPLIANCE WITH APPLICABLE REQUIREMENTS OF THE IRC, AND THEREFORE, BELIEVES THAT THE RELATED TRUST IS TAX-EXEMPT. ACCOUNTING PRINCIPLES GENERALLY ACCEPTED IN THE UNITED STATES OF AMERICA REQUIRE MANAGEMENT TO EVALUATE TAX POSITIONS TAKEN BY THE PLAN AND RECOGNIZE A TAX LIABILITY IF THE PLAN HAS TAKEN AN UNCERTAIN POSITION THAT MORE LIKELY THAN NOT WOULD NOT BE SUSTAINED UPON EXAMINATION BY THE IRS. THE PLAN IS SUBJECT TO ROUTINE AUDITS BY TAXING JURISDICTIONS; HOWEVER, THERE ARE CURRENTLY NO AUDITS FOR ANY TAX PERIODS IN PROGRESS. THE PLAN ADMINISTRATOR BELIEVES THAT THE PLAN IS NO LONGER SUBJECT TO INCOME TAX EXAMINATIONS FOR YEARS PRIOR TO 2016.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt00
IRS990ScheduleD/TotalBookValueSecuritiesAmt031515365
IRS990ScheduleD/TotalExpensesPerForm990Amt0699148
IRS990ScheduleD/TotalRevenuePerForm990Amt0121674
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt05883601
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt0699148
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE RETURN IS REVIEWED BY AN OFFICER, VICE PRESIDENT OF TAX AND THEN REVIEWED AND SIGNED BY AN AUTHORIZED OFFICER. THE FORM 990 DOCUMENT WILL BE AVAILABLE FOR ALL MEMBERS AFTER IT HAS BEEN FILED WITH THE U.S. TREASURY. UPON FILING, THE DOCUMENT IS AVAILABLE TO ALL MEMBERS UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE DOCUMENTS ARE AVAILABLE FOR REVIEW PER TREASURY REGULATION SECTION 301-6104 (D) 1-4.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2BANK OF AMERICA - 208 HARRISTOWN ROAD, GLEN ROCK, NJ 07452.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE TRUST HAS A COMMITTEE THAT ASSUMES RESPONSIBILITY FOR OVERSIGHT OF THE AUDIT OF ITS FINANCIAL STATEMENTS AND ITS SELECTION OF THE INDEPENDENT ACCOUNTANT. THE SELECTION AND OVERSIGHT PROCESS DID NOT CHANGE FROM THE PRIOR YEAR.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VII CONTACT ADDRESSES FOR OFFICERS, DIRECTORS, ETC
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FROM 990, PART XII, LINE 2C:
IRS990ScheduleR/AssetExchangeInd00
IRS990ScheduleR/AssetPurchaseFromOtherOrgInd00
IRS990ScheduleR/AssetSaleToOtherOrgInd00
IRS990ScheduleR/DivRelatedOrganizationInd00
IRS990ScheduleR/GiftGrntCapContriFromOthOrgInd00
IRS990ScheduleR/GiftGrntOrCapContriToOthOrgInd00
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/ControlledOrganizationInd00
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/DirectControllingNACd0N/A
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/EntityTypeTxt0C
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/LegalDomicileStateCd0PA
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/PrimaryActivitiesTxt0WATER UTILITY
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/RelatedOrganizationName/BusinessNameLine1Txt0AQUA PENNSYLVANIA INC
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/USAddress/AddressLine1Txt0762 W LANCASTER AVE
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/USAddress/CityNm0BRYN MAWR
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/USAddress/StateAbbreviationCd0PA
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/USAddress/ZIPCd019010
IRS990ScheduleR/LoansOrGuaranteesFromOthOrgInd00
IRS990ScheduleR/LoansOrGuaranteesToOtherOrgInd00
IRS990ScheduleR/PaidEmployeesSharingInd00
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ReturnHeader/BuildTS02021-04-22 16:20:28Z
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ReturnHeader/BusinessOfficerGrp/SignatureDt02020-11-09
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0RETIREE & SURV DEPEND MED & LIFE INSUR
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ReturnHeader/FilingSecurityInformation/IPTm010:16:42
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0251408703
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0SCHNEIDER DOWNS & CO INC
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ReturnHeader/PreparerPersonGrp/PreparerPersonNm0EUGENE J LOGAN
ReturnHeader/ReturnTs02020-11-10T07:21:48-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02019-01-01
ReturnHeader/TaxPeriodEndDt02019-12-31
ReturnHeader/TaxYr02019

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$33,639,282
Liabilities
$300,077
Net assets
$33,339,205
Revenue
$121,674
Expenses
$699,148
Net income
-$577,474
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$37.1$0.00$37.1$2.34$1.42$0.92
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$31.8$0.04$31.8$0.93$0.89$0.05
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$41.1$0.11$41.0$0.02$0.95$0.93
2020Summary only. Only limited summary data is available for this year.$36.9$0.09$36.8$0.03$0.76$0.73
2019Detailed filing. Detailed filing data is available for this year.$33.6$0.30$33.3$0.12$0.70$0.58
2018Summary only. Only limited summary data is available for this year.$28.2$0.08$28.2$1.29$0.68$0.62
2017Summary only. Only limited summary data is available for this year.$29.2$0.05$29.1$0.18$0.62$0.45
2016Summary only. Only limited summary data is available for this year.$26.1$0.10$26.0$1.71$0.58$1.13
2015Summary only. Only limited summary data is available for this year.$24.1$0.09$24.0$2.14$0.53$1.62
2014Summary only. Only limited summary data is available for this year.$23.1$0.05$23.0$0.76$0.49$0.28
2011Summary only. Only limited summary data is available for this year.$14.8$0.04$14.7$1.49$0.43$1.06