Civic Intelligence

United Food & Comm Workers Calumet Region Insurance Fund

990 • Fiscal year 2016 • EIN 35-1065816

Dec 01, 2015 to Nov 30, 2016 • Filed on May 02, 2017

Organization ProfileN/A

View Organization Page

9801 West Higgins Road No 500Rosemont, IL 60018

(847) 384-7000

Siviq Scores

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

Liabilities / Assets

34th percentile

0.01x

Higher debt load relative to assets than 34% of similar nonprofits.

2016 filings • 501(c)9 • $10M-$25M nonprofits • Source year 2016

Liabilities / Revenue

28th percentile

0.00x

Higher debt load relative to revenue than 28% of similar nonprofits.

2016 filings • 501(c)9 • $10M-$25M nonprofits • Source year 2016

Net Margin

12th percentile

-15%

Higher net margin than 12% of similar nonprofits.

2016 filings • 501(c)9 • $10M-$25M nonprofits • Source year 2016

Top Officer Pay

46th percentile

$0

Higher top officer pay than 46% of similar nonprofits.

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

2016 filings • 501(c)9 • $10M-$25M nonprofits • Source year 2016

Asset Growth

12th percentile

-15%

Faster asset growth than 12% of similar nonprofits.

2016 filings • 501(c)9 • $10M-$25M nonprofits • Annualized from 2015 to 2016

Revenue Growth

39th percentile

1.1%

Faster revenue growth than 39% of similar nonprofits.

2016 filings • 501(c)9 • $10M-$25M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets34th percentile

Assets

Down

$6,601,662

Down $1,180,359 (-15%) from 2015

Net Assets

Down

$6,561,106

Down $1,156,728 (-15%) from 2015

Liabilities

Down

$40,556

Down $23,631 (-37%) from 2015

Revenue And Expenses
Liabilities / Revenue28th percentileNet Margin12th percentile

Revenue

Up

$8,168,239

Up $86,247 (+1.1%) from 2015

Expenses

Down

$9,396,761

Down $593,405 (-5.9%) from 2015

Net Income

Up

-$1,228,522

Up $679,652 (+36%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth12th percentile

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

$15M$10M$5.0M$0Assets 2011: $9,827,160Liabilities 2011: $39,030Net Assets 2011: $9,788,1302011Assets 2012: $10,596,171Liabilities 2012: $56,135Net Assets 2012: $10,540,0362012Assets 2013: $10,645,896Liabilities 2013: $28,627Net Assets 2013: $10,617,2692013Assets 2014: $9,677,639Liabilities 2014: $151,447Net Assets 2014: $9,526,1922014Assets 2015: $7,782,021Liabilities 2015: $64,187Net Assets 2015: $7,717,8342015Assets 2016: $6,601,662Liabilities 2016: $40,556Net Assets 2016: $6,561,1062016Assets 2017: $5,303,173Liabilities 2017: $26,048Net Assets 2017: $5,277,1252017Assets 2018: $3,907,115Liabilities 2018: $27,448Net Assets 2018: $3,879,6672018Assets 2019: $4,002,253Liabilities 2019: $62,371Net Assets 2019: $3,939,8822019Assets 2020: $4,662,886Liabilities 2020: $28,653Net Assets 2020: $4,634,2332020Assets 2021: $6,039,126Liabilities 2021: $45,960Net Assets 2021: $5,993,1662021Assets 2022: $6,515,209Liabilities 2022: $41,420Net Assets 2022: $6,473,7892022Assets 2023: $5,320,866Liabilities 2023: $32,616Net Assets 2023: $5,288,2502023Assets 2024: $5,755,239Liabilities 2024: $4,715Net Assets 2024: $5,750,5242024

Highlighted filing

2016

Assets$6,601,662
Liabilities$40,556
Net Assets$6,561,106
Open 2016 Filing

Operations Trend

Revenue Growth39th percentile

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

$15M$10M$5.0M$0-$5.0MExpenses 2011: $7,303,6932011Expenses 2012: $7,830,3912012Expenses 2013: $8,078,2022013Revenue 2014: $8,429,178Expenses 2014: $10,050,749Net Income 2014: -$1,621,5712014Revenue 2015: $8,081,992Expenses 2015: $9,990,166Net Income 2015: -$1,908,1742015Revenue 2016: $8,168,239Expenses 2016: $9,396,761Net Income 2016: -$1,228,5222016Revenue 2017: $6,972,569Expenses 2017: $8,612,606Net Income 2017: -$1,640,0372017Revenue 2018: $4,316,858Expenses 2018: $5,784,604Net Income 2018: -$1,467,7462018Revenue 2019: $4,587,556Expenses 2019: $4,857,273Net Income 2019: -$269,7172019Revenue 2020: $5,050,657Expenses 2020: $4,761,799Net Income 2020: $288,8582020Revenue 2021: $5,255,112Expenses 2021: $4,340,544Net Income 2021: $914,5682021Revenue 2022: $4,712,314Expenses 2022: $3,783,047Net Income 2022: $929,2672022Revenue 2023: $4,230,809Expenses 2023: $5,582,805Net Income 2023: -$1,351,9962023Revenue 2024: $5,543,033Expenses 2024: $5,571,478Net Income 2024: -$28,4452024

Highlighted filing

2016

Revenue$8,168,239
Expenses$9,396,761
Net Income-$1,228,522
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Dec 1, 2015 to Nov 30, 2016
Signed
May 2, 2017
Return Version
2015v3.0
Gross Receipts
$10,661,468
Mission and Program Overview

Mission

PROVIDE HEALTH BENEFITS

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$7,717,834$6,561,106▼ $1,156,728
Investments in Publicly Traded Securities$6,919,009$6,349,247▼ $569,762
Accounts Receivable$93,098$88,871▼ $4,227
Savings and Temporary Cash Investments$613,585$74,310▼ $539,275
Cash and Non-Interest-Bearing Accounts$114,628$54,934▼ $59,694
Prepaid Expenses and Deferred Charges$5,326$6,041▲ $715
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$7,782,021$6,601,662▼ $1,180,359
Other Assets Total$36,375$28,259▼ $8,116
Liabilities
Accounts Payable and Accrued Expenses$38,437$40,556▲ $2,119
Other Liabilities$25,750$0▼ $25,750
Total Liabilities$64,187$40,556▼ $23,631
Net Assets / Fund Balance
Total Net Assets Fund Balance$7,717,834$6,561,106▼ $1,156,728
Total Liabilities and Net Assets / Fund Balance$7,782,021$6,601,662▼ $1,180,359
Compensation and Service Providers
Top Officer Pay46th percentile

Board Members and Trustees

NameTitle
Jeffrey StrackTrustee
Lisa CatanzaroTrustee
Samuel Van TilTrustee
Steven PowellTrustee
Derek KinneyTrustee - Alternate
Harry GrowTrustee - Alternate

Highest Paid Contractors

ContractorServicesLocationCompensation
Blue Cross Blue ShieldPpo Provider300 EAST RANDOLPH ST, Chicago, IL 60601$466,991
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$8,006,516
Investment Income
$144,069
Other Revenue
$17,654
Change in Net Assets
$-1,228,522

Audited Revenue Reconciliation

Revenue per Audited Statements
$8,127,569
Revenue Not Reported on Financial Statements
$40,670
Revenue Not Reported on Form 990
$71,794
Total Revenue per Audited Statements
$8,199,363
Total Revenue per Form 990
$8,168,239
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$522,483
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---$8,874,278
Fees for Services Management---$319,215
Fees for Services Other---$90,453
Fees for Service Investment Mgmnt Fees---$40,670
Fees for Services Accounting---$30,292
Insurance---$12,477
Office Expenses---$12,223
Fees for Services Legal---$6,669
Other Expenses---$3,819
Conferences and Meetings---$1,112
Total Functional Expenses$0$0$0$9,396,761

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$9,396,761
Expenses per Audited Statements$9,356,091
Total Expenses per Audited Statements$9,356,091
Expenses Not Reported on Financial Statements$40,670
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
Annual disclosure for covered persons
No
Audit committee
Yes
Backup withholding compliance
Yes
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
Yes

Governance Explanations

Form 990, Part VI, Section A, Line 3

“The plan is administered and managed by the united food and commercial workers union and employers (ufcw) midwest health benefits fund. The plan reimburses the ufcw midwest health benefits fund for certain common administrative expenses based on a per member fee agreement.”

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

“The plan has no committees with the authority to act on behalf of the governing body (trustees).”

Form 990, Part VI, Section B, Line 11

“The completed form 990 is provided to the entire board of trustees. Once the form is reviewed and approved, it is signed and filed.”

Form 990, Part VI, Section C, Line 19

“Governing documents,conflict of interest policy and financial statements are available to the public upon request at the fund office.”

Filing and Contact Details

Filer

Filer Name
United Food & Comm Workers
EIN
35-1065816
Phone
8473847000
Address
9801 WEST HIGGINS ROAD NO 500, ROSEMONT, IL 60018

Signing Officer

Name
Robert Niksa
Title
Fund Administrator
Phone
8473847000
Signed
2017-05-02
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Robert Niksa
Formed
1960
Legal Domicile
Il
Voting Board Members
4
Independent Board Members
4
Employees
0
Volunteers
0

Preparer

Firm
Legacy Professionals Llp
Address
311 S WACKER DRIVE STE 4000, CHICAGO, IL 60606
Preparer
Bruce a Pavlik
Phone
3123680500
Supplemental Narrative

Financial Statement Notes

PART X, LINE 2:

“The plan files form 990, return of organization exempt from income tax and form 5500, annual return/report of employee benefit plan. The plan's returns are subject to examination by the internal revenue service until the applicable statute of limitation expires.”

Raw XML Appendix365 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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IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE PLAN FILES FORM 990, RETURN OF ORGANIZATION EXEMPT FROM INCOME TAX AND FORM 5500, ANNUAL RETURN/REPORT OF EMPLOYEE BENEFIT PLAN. THE PLAN'S RETURNS ARE SUBJECT TO EXAMINATION BY THE INTERNAL REVENUE SERVICE UNTIL THE APPLICABLE STATUTE OF LIMITATION EXPIRES.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
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IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt09356091
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE PLAN IS ADMINISTERED AND MANAGED BY THE UNITED FOOD AND COMMERCIAL WORKERS UNION AND EMPLOYERS (UFCW) MIDWEST HEALTH BENEFITS FUND. THE PLAN REIMBURSES THE UFCW MIDWEST HEALTH BENEFITS FUND FOR CERTAIN COMMON ADMINISTRATIVE EXPENSES BASED ON A PER MEMBER FEE AGREEMENT.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE PLAN HAS NO COMMITTEES WITH THE AUTHORITY TO ACT ON BEHALF OF THE GOVERNING BODY (TRUSTEES).
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE COMPLETED FORM 990 IS PROVIDED TO THE ENTIRE BOARD OF TRUSTEES. ONCE THE FORM IS REVIEWED AND APPROVED, IT IS SIGNED AND FILED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3GOVERNING DOCUMENTS,CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS ARE AVAILABLE TO THE PUBLIC UPON REQUEST AT THE FUND OFFICE.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 3
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 8B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleR/AssetExchangeInd00
IRS990ScheduleR/AssetPurchaseFromOtherOrgInd00
IRS990ScheduleR/AssetSaleToOtherOrgInd00
IRS990ScheduleR/DivRelatedOrganizationInd00
IRS990ScheduleR/GiftGrntCapContriFromOthOrgInd00
IRS990ScheduleR/GiftGrntOrCapContriToOthOrgInd00
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IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/ControlledOrganizationInd30
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/PrimaryActivitiesTxt0CONTRIBUTING EMPLOYER
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/PrimaryActivitiesTxt1CONTRIBUTING EMPLOYER
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/PrimaryActivitiesTxt2CONTRIBUTING EMPLOYER
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/PrimaryActivitiesTxt3CONTRIBUTING EMPLOYER
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/RelatedOrganizationName/BusinessNameLine1Txt0STRACK-ULTRA LLC
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/RelatedOrganizationName/BusinessNameLine1Txt1LAKE COUNTY NURSING INC
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/RelatedOrganizationName/BusinessNameLine1Txt2HAPPY FOODS INC
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/RelatedOrganizationName/BusinessNameLine1Txt3CENTRAL MARKET
IRS990ScheduleR/LoansOrGuaranteesFromOthOrgInd00
IRS990ScheduleR/LoansOrGuaranteesToOtherOrgInd00
IRS990ScheduleR/PaidEmployeesSharingInd00
IRS990ScheduleR/PerformOfServicesByOtherOrgInd00
IRS990ScheduleR/PerformOfServicesForOthOrgInd00
IRS990ScheduleR/ReceiptOfIntAnntsRntsRyltsInd00
IRS990ScheduleR/ReimbursementPaidByOtherOrgInd00
IRS990ScheduleR/ReimbursementPaidToOtherOrgInd00
IRS990ScheduleR/RentalOfFacilitiesToOthOrgInd00
IRS990ScheduleR/RentalOfFcltsFromOthOrgInd00
IRS990ScheduleR/SharingOfFacilitiesInd00
IRS990ScheduleR/TransferFromOtherOrgInd01
IRS990ScheduleR/TransferToOtherOrgInd00
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
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IRS990/TotalAssetsGrp/EOYAmt06601662
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IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt08006516
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IRS990/TotalVolunteersCnt00
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IRS990/TypeOfOrganizationTrustInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
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IRS990/USAddress/StateAbbreviationCd0IL
IRS990/USAddress/ZIPCd060018
IRS990/VotingMembersGoverningBodyCnt04
IRS990/VotingMembersIndependentCnt04
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0ROBERT NIKSA
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0FUND ADMINISTRATOR
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ReturnHeader/BusinessOfficerGrp/SignatureDt02017-05-02
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0UNITED FOOD & COMM WORKERS
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ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0LEGACY PROFESSIONALS LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0311 S WACKER DRIVE STE 4000
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0CHICAGO
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0IL
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ReturnHeader/PreparerPersonGrp/PhoneNum03123680500
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0BRUCE A PAVLIK
ReturnHeader/ReturnTs02017-05-02T11:24:25-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-12-01
ReturnHeader/TaxPeriodEndDt02016-11-30
ReturnHeader/TaxYr02015

Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$6,601,662
Liabilities
$40,556
Net assets
$6,561,106
Revenue
$8,168,239
Expenses
$9,396,761
Net income
-$1,228,522
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$5.76$0.00$5.75$5.54$5.57$0.03
2023Detailed filing. Detailed filing data is available for this year.$5.32$0.03$5.29$4.23$5.58$1.35
2022Detailed filing. Detailed filing data is available for this year.$6.52$0.04$6.47$4.71$3.78$0.93
2021Detailed filing. Detailed filing data is available for this year.$6.04$0.05$5.99$5.26$4.34$0.91
2020Detailed filing. Detailed filing data is available for this year.$4.66$0.03$4.63$5.05$4.76$0.29
2019Detailed filing. Detailed filing data is available for this year.$4.00$0.06$3.94$4.59$4.86$0.27
2018Detailed filing. Detailed filing data is available for this year.$3.91$0.03$3.88$4.32$5.78$1.47
2017Detailed filing. Detailed filing data is available for this year.$5.30$0.03$5.28$6.97$8.61$1.64
2016Detailed filing. Detailed filing data is available for this year.$6.60$0.04$6.56$8.17$9.40$1.23
2015Detailed filing. Detailed filing data is available for this year.$7.78$0.06$7.72$8.08$9.99$1.91
2014Detailed filing. Detailed filing data is available for this year.$9.68$0.15$9.53$8.43$10.1$1.62
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.6$0.03$10.6$8.08
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.6$0.06$10.5$7.83
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$9.83$0.04$9.79$7.30