Civic Intelligence

The Erm Group Health & Welfare Trust

EIN 23-6794224 • 501(c)9 • Malvern, PA

Profile

To provide medical and dental benefits for employees maintained through a trust.

75 Valley Stream ParkwayMalvern, PA 19355

n/A

Siviq Scores

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

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2019

Liabilities / Revenue

21st percentile

0.00x

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

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

Net Margin

42nd percentile

2.7%

Higher net margin than 42% of similar nonprofits.

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

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 2019

Asset Growth

5th percentile

-100%

Faster asset growth than 5% of similar nonprofits.

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

Revenue Growth

81st percentile

21%

Faster revenue growth than 81% of similar nonprofits.

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

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$0

Down $2,180,797 (-100%) from 2018

Liabilities

Down

$0

Down $353,606 (-100%) from 2018

Net Assets

Down

$0

Down $1,827,191 (-100%) from 2018

Operations
Liabilities / Revenue21st percentileNet Margin42nd percentile

Revenue

Up

$29,217,705

Up $5,023,230 (+21%) from 2018

Expenses

Up

$28,439,740

Up $3,570,799 (+14%) from 2018

Net Income

Up

$777,965

Up $1,452,431 (+215%) from 2018

Trend Graphs

Balance Sheet Trend

Asset Growth5th percentile

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

$3.0M$2.0M$1.0M$0Assets 2010: $1,078,640Liabilities 2010: $0Net Assets 2010: $1,078,6402010Assets 2011: $2,542,709Liabilities 2011: $1,443,936Net Assets 2011: $1,098,7732011Assets 2012: $1,792,393Liabilities 2012: $126,621Net Assets 2012: $1,665,7722012Assets 2013: $2,008,616Liabilities 2013: $0Net Assets 2013: $2,008,6162013Assets 2014: $2,639,569Liabilities 2014: $0Net Assets 2014: $2,639,5692014Assets 2015: $2,832,262Liabilities 2015: $874,693Net Assets 2015: $1,957,5692015Assets 2016: $2,196,670Liabilities 2016: $309,073Net Assets 2016: $1,887,5972016Assets 2017: $2,659,991Liabilities 2017: $158,334Net Assets 2017: $2,501,6572017Assets 2018: $2,180,797Liabilities 2018: $353,606Net Assets 2018: $1,827,1912018Assets 2019: $0Liabilities 2019: $0Net Assets 2019: $02019

Highlighted filing

2019

Assets$0
Liabilities$0
Net Assets$0
Open 2019 Filing

Operations Trend

Revenue Growth81st percentile

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

$30M$20M$10M$0-$10MExpenses 2010: $13,188,2912010Expenses 2011: $13,272,1772011Expenses 2012: $16,457,3792012Expenses 2013: $21,431,2622013Revenue 2014: $23,057,142Expenses 2014: $22,426,189Net Income 2014: $630,9532014Revenue 2015: $22,503,523Expenses 2015: $23,185,523Net Income 2015: -$682,0002015Revenue 2016: $23,649,491Expenses 2016: $23,719,463Net Income 2016: -$69,9722016Revenue 2017: $24,648,625Expenses 2017: $24,034,565Net Income 2017: $614,0602017Revenue 2018: $24,194,475Expenses 2018: $24,868,941Net Income 2018: -$674,4662018Revenue 2019: $29,217,705Expenses 2019: $28,439,740Net Income 2019: $777,9652019

Highlighted filing

2019

Revenue$29,217,705
Expenses$28,439,740
Net Income$777,965
Open 2019 Filing

Filings

Most recent year

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

Open filing
Assets
$0
Liabilities
$0
Net assets
$0
Revenue
$29,217,705
Expenses
$28,439,740
Net income
$777,965
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2019Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$29.2$28.4$0.78
2018Detailed filing. Detailed filing data is available for this year.$2.18$0.35$1.83$24.2$24.9$0.67
2017Detailed filing. Detailed filing data is available for this year.$2.66$0.16$2.50$24.6$24.0$0.61
2016Detailed filing. Detailed filing data is available for this year.$2.20$0.31$1.89$23.6$23.7$0.07
2015Detailed filing. Detailed filing data is available for this year.$2.83$0.87$1.96$22.5$23.2$0.68
2014Detailed filing. Detailed filing data is available for this year.$2.64$0.00$2.64$23.1$22.4$0.63
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.01$0.00$2.01$21.4
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.79$0.13$1.67$16.5
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.54$1.44$1.10$13.3
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.08$0.00$1.08$13.2
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Oct 8, 2020
Return Version
2019v5.0
Gross Receipts
$29,217,705
Mission and Program Overview

Mission

To provide medical and dental benefits for employees maintained through a trust.

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$1,460,300$2,103,264▲ $642,964
Rtn Earn Endowment Incm Other Fnds$1,516,144--
Cash and Non-Interest-Bearing Accounts$432,461$576,607▲ $144,146
Investments in Publicly Traded Securities$1,158,712$1,491▼ $1,157,221
Savings and Temporary Cash Investments-$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-
Land, Buildings, and Equipment, Net-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Prepaid Expenses and Deferred Charges-$0-
Total Assets$3,051,473$0▼ $3,051,473
Other Assets Total-$-2,681,362-
Liabilities
Accounts Payable and Accrued Expenses$1,535,329$387,253▼ $1,148,076
Other Liabilities-$-387,253-
Total Liabilities$1,535,329$0▼ $1,535,329
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,516,144$0▼ $1,516,144
Total Liabilities and Net Assets / Fund Balance$3,051,473$0▼ $3,051,473
Compensation and Service Providers
Top Officer Pay44th percentile

Board Members and Trustees

NameTitle
John StipaTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$29,198,274
Investment Income
$19,431
Other Revenue
$0
Change in Net Assets
$777,965

Audited Revenue Reconciliation

Revenue per Audited Statements
$29,217,705
Total Revenue per Audited Statements
$29,217,705
Total Revenue per Form 990
$29,217,705
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$6,871,596
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---$21,568,144
Fees for Services Other---$5,776,147
Fees for Services Management---$1,063,201
Fees for Services Accounting---$28,485
Fees for Services Legal---$3,763
Total Functional Expenses$0$0$0$28,439,740

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$28,439,740
Total Expenses per Audited Statements$28,439,740
Total Expenses per Form 990$28,439,740
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

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
Liabilities transferred to ERM Group,Inc$-387,253
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Audit committee
Yes
Backup withholding compliance
No
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 11B: Form 990 Review Process

“Form 990 was reviewed by the plan administrator prior to electronic filing.”

Form 990, Part VI, Line 12C: Explanation of Monitoring and Enforcement of Conflicts

“Organization routinely examines its activities for conflicts of interest.”

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

“No documents available to the public.”

Form 990, Part VI, Section A, Line 8A

“There were no meetings held or actions taken by the governing body regarding the plan year ended 12/31/2019.”

Form 990, Part VI, Section A, Line 8B

“There were no meetings held or actions taken by the benefits committee regarding the plan year ended 12/31/2019.”

Form 990, Part VI, Section C, Line 18

“Governing documents and financial statements are not made available for public inspection. This is not a requirement of a 501(c)(9) organization.”

Form 990, Part VI, Section C, Line 19

“Governing documents and financial statements are not made available for public inspection. This is not a requirement of a 501(c)(9) organization.”

Filing and Contact Details

Filer

Filer Name
The Erm Group Health & Welfare Trust
EIN
23-6794224
Phone
4849130300
Address
75 VALLEY STREAM PARKWAY, MALVERN, PA 19355

Signing Officer

Name
John Stipa
Title
Treasurer
Signed
2020-10-08
Discuss with paid preparer
Yes

Organization Details

Principal Officer
John Stipa
Formed
1984
Legal Domicile
Pa
Voting Board Members
1
Independent Board Members
0
Employees
3,218

Preparer

Firm
Arena Snyder & Dunlap Llp
Address
722 SPRINGDALE DR, EXTON, PA 19341
Preparer
Jeffrey T Dunlap CPA
Phone
6105240110
Supplemental Narrative

Additional Explanations

Other Changes In Net Assets Or Fund Balances - Other Decreases

“Transfer of net assets to ERM Group, Inc. = -$2294109”

Raw XML Appendix319 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/ExplanationTxt3Transfer of net assets to ERM Group, Inc. = -$2294109
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THERE WERE NO MEETINGS HELD OR ACTIONS TAKEN BY THE GOVERNING BODY REGARDING THE PLAN YEAR ENDED 12/31/2019.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THERE WERE NO MEETINGS HELD OR ACTIONS TAKEN BY THE BENEFITS COMMITTEE REGARDING THE PLAN YEAR ENDED 12/31/2019.
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 12c: Explanation of Monitoring and Enforcement of Conflicts
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Other Changes In Net Assets Or Fund Balances - Other Decreases
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION A, LINE 8A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION A, LINE 8B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION C, LINE 18
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART VI, SECTION C, LINE 19
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IRS990/TotalFunctionalExpensesGrp/TotalAmt028439740
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IRS990/TotalLiabilitiesBOYAmt01535329
IRS990/TotalLiabilitiesEOYAmt00
IRS990/TotalLiabilitiesGrp/BOYAmt01535329
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IRS990/TotalRevenueGrp/TotalRevenueColumnAmt029217705
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IRS990/USAddress/CityNm0MALVERN
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ReturnHeader/BuildTS02021-04-22 16:20:28Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0JOHN STIPA
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Treasurer
ReturnHeader/BusinessOfficerGrp/SignatureDt02020-10-08
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0THE ERM GROUP HEALTH & WELFARE TRUST
ReturnHeader/Filer/BusinessNameControlTxt0ERMG
ReturnHeader/Filer/EIN0236794224
ReturnHeader/Filer/PhoneNum04849130300
ReturnHeader/Filer/USAddress/AddressLine1Txt075 VALLEY STREAM PARKWAY
ReturnHeader/Filer/USAddress/CityNm0MALVERN
ReturnHeader/Filer/USAddress/StateAbbreviationCd0PA
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ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0232334403
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0ARENA SNYDER & DUNLAP LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0722 SPRINGDALE DR
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0EXTON
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0PA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd019341
ReturnHeader/PreparerPersonGrp/PhoneNum06105240110
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Jeffrey T Dunlap CPA
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02020-10-08T05:29:27-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02019-01-01
ReturnHeader/TaxPeriodEndDt02019-12-31
ReturnHeader/TaxYr02019

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