Civic Intelligence

Gbu Financial Life

EIN 25-0502660 • 501(c)8 • Pittsburgh, PA

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Profile

Fraternal Benefit SocietyLife Insurance, Annuities, Fraternal Activities, and Other Benefits to Members of the Society

4254 Saw Mill Run BoulevardPittsburgh, PA 15227

www.gbu.org

Siviq Scores

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

Liabilities / Assets

93rd percentile

0.93x

Higher debt load relative to assets than 93% of similar nonprofits.

$1B+ nonprofits • Source year 2024

Liabilities / Revenue

78th percentile

4.39x

Higher debt load relative to revenue than 78% of similar nonprofits.

$1B+ nonprofits • Source year 2024

Net Margin

28th percentile

1.5%

Higher net margin than 28% of similar nonprofits.

$1B+ nonprofits • Source year 2024

Top Officer Pay

37th percentile

$1,006,313

Higher top officer pay than 37% of similar nonprofits.

Top officer pay equals 0.1% of source-year revenue.

$1B+ nonprofits • Source year 2024

Asset Growth

54th percentile

6.8%

Faster asset growth than 54% of similar nonprofits.

$1B+ nonprofits • Annualized from 2023 to 2024

Revenue Growth

49th percentile

11%

Faster revenue growth than 49% of similar nonprofits.

$1B+ nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets93rd percentile

Assets

Up

$4,729,123,178

Up $524,355,424 (+12%) from 2022

Liabilities

Up

$4,414,691,813

Up $498,688,883 (+13%) from 2022

Net Assets

Up

$314,431,365

Up $25,666,541 (+8.9%) from 2022

Operations
Liabilities / Revenue78th percentileNet Margin28th percentile

Revenue

Up

$1,006,212,483

Up $238,817,490 (+31%) from 2022

Expenses

Up

$990,802,924

Up $255,699,547 (+35%) from 2022

Net Income

Down

$15,409,559

Down $16,882,057 (-52%) from 2022

Trend Graphs

Balance Sheet Trend

Asset Growth54th percentile

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

$6.0B$4.0B$2.0B$0Assets 2010: $760,141,992Liabilities 2010: $724,688,759Net Assets 2010: $35,453,2332010Assets 2011: $954,135,853Liabilities 2011: $908,408,822Net Assets 2011: $45,727,0312011Assets 2012: $1,185,619,386Liabilities 2012: $1,123,468,859Net Assets 2012: $62,150,5272012Assets 2014: $1,630,593,394Liabilities 2014: $1,525,255,262Net Assets 2014: $105,338,1322014Assets 2015: $1,872,364,567Liabilities 2015: $1,742,677,724Net Assets 2015: $129,686,8432015Assets 2017: $2,456,867,854Liabilities 2017: $2,273,233,606Net Assets 2017: $183,634,2482017Assets 2018: $2,754,646,706Liabilities 2018: $2,551,649,589Net Assets 2018: $202,997,1172018Assets 2019: $3,089,848,154Liabilities 2019: $2,860,170,120Net Assets 2019: $229,678,0342019Assets 2020: $3,433,633,566Liabilities 2020: $3,185,487,882Net Assets 2020: $248,145,6842020Assets 2021: $3,781,723,351Liabilities 2021: $3,515,611,753Net Assets 2021: $266,111,5982021Assets 2022: $4,204,767,754Liabilities 2022: $3,916,002,930Net Assets 2022: $288,764,8242022Assets 2024: $4,729,123,178Liabilities 2024: $4,414,691,813Net Assets 2024: $314,431,3652024

Highlighted filing

2024

Assets$4,729,123,178
Liabilities$4,414,691,813
Net Assets$314,431,365
Open 2024 Filing

Operations Trend

Revenue Growth49th percentile

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

$1.5B$1.0B$500M$0Expenses 2010: $213,164,3552010Expenses 2011: $231,666,4522011Expenses 2012: $284,292,3442012Revenue 2014: $307,301,228Expenses 2014: $282,203,795Net Income 2014: $25,097,4332014Revenue 2015: $353,847,390Expenses 2015: $327,199,180Net Income 2015: $26,648,2102015Revenue 2017: $429,100,284Expenses 2017: $396,541,165Net Income 2017: $32,559,1192017Revenue 2018: $566,952,485Expenses 2018: $537,573,377Net Income 2018: $29,379,1082018Revenue 2019: $620,138,802Expenses 2019: $589,557,885Net Income 2019: $30,580,9172019Revenue 2020: $617,690,475Expenses 2020: $598,531,090Net Income 2020: $19,159,3852020Revenue 2021: $647,407,741Expenses 2021: $621,002,178Net Income 2021: $26,405,5632021Revenue 2022: $767,394,993Expenses 2022: $735,103,377Net Income 2022: $32,291,6162022Revenue 2024: $1,006,212,483Expenses 2024: $990,802,924Net Income 2024: $15,409,5592024

Highlighted filing

2024

Revenue$1,006,212,483
Expenses$990,802,924
Net Income$15,409,559
Open 2024 Filing

Filings

Most recent year

2024 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$4,729,123,178
Liabilities
$4,414,691,813
Net assets
$314,431,365
Revenue
$1,006,212,483
Expenses
$990,802,924
Net income
$15,409,559
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4,729$4,415$314$1,006$991$15.4
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$4,205$3,916$289$767$735$32.3
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3,782$3,516$266$647$621$26.4
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3,434$3,185$248$618$599$19.2
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3,090$2,860$230$620$590$30.6
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$2,755$2,552$203$567$538$29.4
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2,457$2,273$184$429$397$32.6
2015Detailed filing. Detailed filing data is available for this year.$1,872$1,743$130$354$327$26.6
2014Detailed filing. Detailed filing data is available for this year.$1,631$1,525$105$307$282$25.1
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,186$1,123$62.2$284
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$954$908$45.7$232
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$760$725$35.5$213
Latest Detailed Filing

The latest 2024 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2022 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Sep 14, 2023
Return Version
2022v5.0
Gross Receipts
$961,161,977
Mission and Program Overview

Mission

Life insurance, annuities, fraternal activities and other benefits to members of the society.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$3,660,402,160$3,977,462,285▲ $317,060,125
Rtn Earn Endowment Incm Other Fnds$266,111,598$288,764,824▲ $22,653,226
Savings and Temporary Cash Investments$0$39,351,392▲ $39,351,392
Cash and Non-Interest-Bearing Accounts$136,291$3,132,837▲ $2,996,546
Land, Buildings, and Equipment, Net$1,790,335$2,436,583▲ $646,248
Accounts Receivable$0$30,811▲ $30,811
Other Notes and Loans Receivable, Net$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Other Securities$0$0→ $0
Investments Program Related$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Prepaid Expenses and Deferred Charges$0$0→ $0
Total Assets$3,781,723,351$4,204,767,754▲ $423,044,403
Other Assets Total$119,394,565$182,353,846▲ $62,959,281
Liabilities
Other Liabilities$3,515,151,700$3,914,649,309▲ $399,497,609
Accounts Payable and Accrued Expenses$346,915$1,239,031▲ $892,116
Deferred Revenue$113,138$114,590▲ $1,452
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$3,515,611,753$3,916,002,930▲ $400,391,177
Net Assets / Fund Balance
Total Net Assets Fund Balance$266,111,598$288,764,824▲ $22,653,226
Total Liabilities and Net Assets / Fund Balance$3,781,723,351$4,204,767,754▲ $423,044,403

Asset Categories

AssetBook ValueDepreciationBasis
Leasehold Improvements$2,234,587$929,939$3,164,526
Buildings$85,565$770,197$855,762
Equipment-$289,187$289,187
Land$116,431-$116,431
Compensation and Service Providers
Top Officer Pay37th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
William W HuntChief Executive OfficerFT$442,882$221,416$664,298
Lesley MannChief Marketing OfficerFT$340,845$120,797$461,642
Timothy KingSVP - InvestmentsFT$189,432$219,414$408,846
Mark CloutierChief Financial OfficerFT$273,228$52,240$325,468
Deborah L MorganVice President of OperationsFT$188,979$65,521$254,500
Douglas A UlrichControllerFT$183,138$50,692$233,830
Ricardo RodriguezAVP - Human ResourcesFT$172,358$50,425$222,783
Kyle FultonIT DirectorFT$164,029$34,650$198,679
Lisa MorrisChief UnderwriterFT$141,369$25,722$167,091
Damien FeiklowiczDirector of Business IntelligenceFT$149,804$13,585$163,389
Antoinette BlairDirector of ComplianceFT$143,461$6,796$150,257
Lee Ann HaziNAT'L DIRECTOR / BOARD CHAIRPT$73,100-$73,100
Christina E MackellarNational Director-$48,592-$48,592
David L PringleNational Director-$40,512-$40,512
David E BevinsNational Director-$34,000-$34,000
Donna L BrophyNational Director-$33,265-$33,265
John B SchmotzerNational Director-$32,250-$32,250
Joseph S BieleckiNational Director-$31,500-$31,500

Highest Paid Contractors

ContractorServicesLocationCompensation
Ipipeline INCProfessional ServicePO BOX 208480, Dallas, TX 75320$998,206
Highmark Blue ShieldHealth InsurancePO BOX 382146, Pittsburgh, PA 15251$882,485
Miller Newberg INCActuary8717 WEST 110TH ST STE 530, Overland Park, KS 66210$826,922
Hoffmann MurtaughMarketing100 S COMMONS STE 102, Pittsburgh, PA 15212$658,569
Macbracey CorporationConstruction2085 PARK AVE STE 100, Washington, PA 15301$631,401
Revenue and Support

Revenue Composition

Contributions and Grants
$10,100
Program Service Revenue
$585,820,367
Investment Income
$181,513,754
Other Revenue
$50,772
All Other Contributions
$10,100
Change in Net Assets
$32,291,616

Audited Revenue Reconciliation

Revenue per Audited Statements
$767,920,401
Revenue Not Reported on Financial Statements
$-525,408
Other Revenue Adjustments
$-525,408
Total Revenue per Audited Statements
$767,920,401
Total Revenue per Form 990
$767,394,993
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$23,015,410
Salaries, Compensation, and Employee Benefits$12,139,674
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members---$699,948,293
Other Salaries and Wages---$7,303,992
Current Officers, Directors, Trustees, and Key Employees---$2,641,803
Other Expenses---$1,224,184
Fees for Service Investment Mgmnt Fees---$1,224,146
Depreciation Depletion---$990,319
Pension Plan Contributions---$941,581
Fees for Services Other---$859,838
Office Expenses---$852,023
Other Employee Benefits---$811,900
Payroll Taxes---$440,398
Fees for Services Accounting---$385,445
Travel---$371,593
Advertising---$312,927
Information Technology---$261,462
Fees for Services Legal---$227,482
Conferences and Meetings---$134,529
Occupancy---$124,652
Insurance---$97,879
Total Functional Expenses$0$0$0$735,103,377

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$735,628,785
Expenses per Audited Statements$735,103,377
Total Expenses per Form 990$735,103,377
Expenses Not Reported on Form 990$525,408
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$0
Fundraising Gross Income$0
Gaming Direct Expenses$0
Gaming Gross Income$0
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
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Life Policies and Contracts$3,748,169,793
Liab For Deposit-Type Contracts$74,433,878
Asset Valuation Reserve$37,000,000
Policy and Contract Claims$30,201,744
Amounts Retained as Agent$17,781,228
Interest Maintenance Reserve$4,553,898
General Exp & Other Liab$1,408,768
Refunds Payable$1,100,000
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
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
Yes
Other officer compensation reviewed
Yes
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, Section A, Line 6

“Members or stockholders membership shall be extended to any person in accordance with the requirements and limitations set forth in the charter, the by-laws, and the resolutions of the board.”

Form 990, Part VI, Section A, Line 7A

“Power to elect the board of directors are elected by the members of the society.”

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

“Process to review the form 990 the form 990 is prepared and reviewed by an independent certified public accounting firm. Management reviews a draft of the form 990. The form 990 is provided to governing board for review prior to its filing with the internal revenue service.”

Form 990, Part VI, Section B, Line 12C

“Organization's practice for monitoring compliance each board member is required to sign the conflict of interest policy disclosure annually.”

Form 990, Part VI, Section B, Line 15

“Compensation review process the ceo's compensation is determined by the compensation committee, a committee made up of members of the board of directors of gbu financial life. The committee recommends the compensation to the entire board of directors for approval. Compensation adjustments are determined by reviewing the ceo to evaluate goals achieved and accomplishments made during the previous year. Comparability data is also used when needed. Key employee's (management) are evaluated by the ceo to determine compensation. Compensation is determined by reviewing goals the individual achieved and accomplishments made during the previous year. Comparability data is also used when needed.”

Form 990, Part VI, Section C, Line 19

“Governing documents, conflict of interest, and financial statements the organization makes all applicable documents available upon request, during normal office hours.”

Filing and Contact Details

Filer

Filer Name
Gbu Financial Life
EIN
25-0502660
In Care Of
% DOUGLAS ULRICH
Phone
4128845100
Address
4254 SAW MILL RUN BOULEVARD, PITTSBURGH, PA 15227

Signing Officer

Name
Douglas a Ulrich
Title
VP/controller
Phone
4128845100
Signed
2023-09-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
William Hunt
Formed
1892
Legal Domicile
Pa
Voting Board Members
8
Independent Board Members
7
Employees
102
Volunteers
150

Preparer

Firm
Forvis Llp
Address
312 WALNUT STREET SUITE 3000, CINCINNATI, OH 45202
Preparer
Aaron Hershberger
Phone
5136218300
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“OTHER CHANGES INCREASE/(DECREASE) IN ASSET VALUATION RESERVE $(6,858,847) NET CHANGE IN NONADMITTED ASSETS (1,950,125) CHANGE IN PENSION BENEFIT OBLIGATION 1,167,056 STATUTORY MERGERS 815,112 CHANGE IN LIAB-REINS for Unauthorized Co's 12,000 RECLASS SCHOLARSHIP FUNDS TO LIABILITIES (200,000) TOTAL $(7,014,804)”

Financial Statement Notes

Part XI, Line 4B

“Other adjustments: rental expenses $(525,408)”

Part XII, Line 2D

“Other adjustments: rental expenses $ 525,408”

Raw XML AppendixShowing 400 of 774 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
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IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0346915
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt01239031
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IRS990/AccountsReceivableGrp/EOYAmt030811
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0LIFE INSURANCE, ANNUITIES, FRATERNAL ACTIVITIES AND OTHER BENEFITS TO MEMBERS OF THE SOCIETY.
IRS990/AdvertisingGrp/TotalAmt0312927
IRS990/AllOtherContributionsAmt010100
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/AuditCommitteeInd0true
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IRS990/BooksInCareOfDetail/PhoneNum04128845100
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt04254 SAW MILL BOULEVARD
IRS990/BooksInCareOfDetail/USAddress/CityNm0PITTSBURGH
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0PA
IRS990/BooksInCareOfDetail/USAddress/ZIPCd0152273344
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IRS990/CashNonInterestBearingGrp/BOYAmt0136291
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IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt050
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt02641803
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IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/TotalAmt0134529
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/ContractorCompensationGrp/CompensationAmt0998206
IRS990/ContractorCompensationGrp/CompensationAmt1882485
IRS990/ContractorCompensationGrp/CompensationAmt2826922
IRS990/ContractorCompensationGrp/CompensationAmt3658569
IRS990/ContractorCompensationGrp/CompensationAmt4631401
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IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt1PO BOX 382146
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt28717 WEST 110TH ST STE 530
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt3100 S COMMONS STE 102
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IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0DALLAS
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IRS990/ContractorCompensationGrp/ContractorName/PersonNm4MACBRACEY CORPORATION
IRS990/ContractorCompensationGrp/ServicesDesc0PROFESSIONAL SERVICE
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IRS990/ContractorCompensationGrp/ServicesDesc4CONSTRUCTION
IRS990/CostOfGoodsSoldAmt00
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IRS990/CYTotalRevenueAmt0767394993
IRS990/DecisionsSubjectToApprovaInd0false
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IRS990/DeductibleNonCashContriInd0false
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IRS990/DelegationOfMgmtDutiesInd0false
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IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt0102
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/EscrowAccountLiabilityGrp/BOYAmt00
IRS990/EscrowAccountLiabilityGrp/EOYAmt00
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt0385445
IRS990/FeesForServicesLegalGrp/TotalAmt0227482
IRS990/FeesForServicesLobbyingGrp/TotalAmt00
IRS990/FeesForServicesManagementGrp/TotalAmt00
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IRS990/FeesForServicesProfFundraising/TotalAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt01224146
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignGrantsGrp/TotalAmt00
IRS990/ForeignOfficeInd0false
IRS990/Form8282PropertyDisposedOfInd0false
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