Civic Intelligence

Kskj Life American Slovenian Catholic Union

990 • Fiscal year 2013 • EIN 36-1150880

Jan 01, 2013 to Dec 31, 2013 • Filed on Jul 02, 2014

Organization Profilewww.kskjlife.com

View Organization Page

2439 Glenwood Ave60435

(815) 741-2001

Siviq Scores

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

Liabilities / Assets

95th percentile

0.97x

Higher debt load relative to assets than 95% of similar nonprofits.

2013 filings • $250M-$1B nonprofits • Source year 2013

Liabilities / Revenue

78th percentile

4.03x

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

2013 filings • $250M-$1B nonprofits • Source year 2013

Net Margin

32nd percentile

2.2%

Higher net margin than 32% of similar nonprofits.

2013 filings • $250M-$1B nonprofits • Source year 2013

Top Officer Pay

14th percentile

$230,033

Higher top officer pay than 14% of similar nonprofits.

Top officer pay equals 0.3% of source-year revenue.

2013 filings • $250M-$1B nonprofits • Source year 2013

Asset Growth

87th percentile

18%

Faster asset growth than 87% of similar nonprofits.

2013 filings • $250M-$1B nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets95th percentile

Assets

Up

$368,802,455

Up $57,083,513 (+18%) from 2012

Net Assets

Up

$11,469,653

Up $1,632,516 (+17%) from 2012

Liabilities

Up

$357,332,802

Up $55,450,997 (+18%) from 2012

Revenue And Expenses
Liabilities / Revenue78th percentileNet Margin32nd percentile

Revenue

$88,709,521

No earlier filing loaded for comparison.

Expenses

Up

$86,770,608

Up $3,179,348 (+3.8%) from 2012

Net Income

$1,938,913

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth87th percentile

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

$600M$400M$200M$0Assets 2010: $197,979,240Liabilities 2010: $191,549,834Net Assets 2010: $6,429,4062010Assets 2011: $256,447,975Liabilities 2011: $248,377,855Net Assets 2011: $8,070,1202011Assets 2012: $311,718,942Liabilities 2012: $301,881,805Net Assets 2012: $9,837,1372012Assets 2013: $368,802,455Liabilities 2013: $357,332,802Net Assets 2013: $11,469,6532013Assets 2014: $416,766,287Liabilities 2014: $402,254,452Net Assets 2014: $14,511,8352014Assets 2015: $461,372,641Liabilities 2015: $446,354,441Net Assets 2015: $15,018,2002015Assets 2016: $485,021,725Liabilities 2016: $469,229,537Net Assets 2016: $15,792,1882016Assets 2017: $506,489,918Liabilities 2017: $489,665,237Net Assets 2017: $16,824,6812017Assets 2018: $513,333,450Liabilities 2018: $494,388,452Net Assets 2018: $18,944,9982018Assets 2019: $520,229,093Liabilities 2019: $500,609,745Net Assets 2019: $19,619,3482019Assets 2020: $526,627,444Liabilities 2020: $506,647,571Net Assets 2020: $19,979,8732020Assets 2021: $557,090,096Liabilities 2021: $537,916,765Net Assets 2021: $19,173,3312021Assets 2022: $566,621,445Liabilities 2022: $548,887,784Net Assets 2022: $17,733,6612022Assets 2023: $547,078,775Liabilities 2023: $531,501,499Net Assets 2023: $15,577,2762023Assets 2024: $509,590,264Liabilities 2024: $492,235,428Net Assets 2024: $17,354,8362024

Highlighted filing

2013

Assets$368,802,455
Liabilities$357,332,802
Net Assets$11,469,653
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$150M$100M$50M$0-$50MExpenses 2010: $72,742,4422010Expenses 2011: $84,609,5102011Expenses 2012: $83,591,2602012Revenue 2013: $88,709,521Expenses 2013: $86,770,608Net Income 2013: $1,938,9132013Revenue 2014: $82,421,933Expenses 2014: $79,144,590Net Income 2014: $3,277,3432014Revenue 2015: $90,344,723Expenses 2015: $89,460,891Net Income 2015: $883,8322015Revenue 2016: $76,297,887Expenses 2016: $75,003,603Net Income 2016: $1,294,2842016Revenue 2017: $77,187,841Expenses 2017: $75,300,102Net Income 2017: $1,887,7392017Revenue 2018: $81,597,708Expenses 2018: $79,117,496Net Income 2018: $2,480,2122018Revenue 2019: $94,930,781Expenses 2019: $93,835,129Net Income 2019: $1,095,6522019Revenue 2020: $85,861,013Expenses 2020: $85,097,534Net Income 2020: $763,4792020Revenue 2021: $81,326,780Expenses 2021: $81,027,899Net Income 2021: $298,8812021Revenue 2022: $99,748,650Expenses 2022: $99,605,250Net Income 2022: $143,4002022Revenue 2023: $104,362,157Expenses 2023: $104,932,922Net Income 2023: -$570,7652023Revenue 2024: $70,686,781Expenses 2024: $67,468,170Net Income 2024: $3,218,6112024

Highlighted filing

2013

Revenue$88,709,521
Expenses$86,770,608
Net Income$1,938,913
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Jul 2, 2014
Return Version
2013v3.1
Gross Receipts
$113,743,365
Mission and Program Overview

Mission

Our mission is to provide our members and their families with financial security and fraternal benefits that promote traditional Christian heritage and family values.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$294,270,833$352,838,562▲ $58,567,729
Pd in Cap Srpls Land Bldg Eqp Fund$8,682,541$10,318,727▲ $1,636,186
Savings and Temporary Cash Investments$10,655,054$8,224,220▼ $2,430,834
Investments Other Securities$1,235,634$1,240,617▲ $4,983
Rtn Earn Endowment Incm Other Fnds$1,154,596$1,150,926▼ $3,670
Land, Buildings, and Equipment, Net$302,145$293,323▼ $8,822
Cash and Non-Interest-Bearing Accounts-$0-
Accounts Receivable-$0-
Other Notes and Loans Receivable, Net-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Program Related-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Prepaid Expenses and Deferred Charges-$0-
Total Assets$311,718,942$368,802,455▲ $57,083,513
Other Assets Total$5,255,276$6,205,733▲ $950,457
Liabilities
Other Liabilities$300,995,308$356,453,317▲ $55,458,009
Accounts Payable and Accrued Expenses$886,497$879,485▼ $7,012
Total Liabilities$301,881,805$357,332,802▲ $55,450,997
Net Assets / Fund Balance
Total Net Assets Fund Balance$9,837,137$11,469,653▲ $1,632,516
Total Liabilities and Net Assets / Fund Balance$311,718,942$368,802,455▲ $57,083,513

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$293,323$732,869$1,026,192
Compensation and Service Providers
Top Officer Pay14th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Paul KaiserNational Sales MgrFT$230,033$230,033
Kathy LovatiAsst Sales MgrFT$161,012$161,012
Frank JanczakCEOFT$143,000$143,000
Anthony T MravleInvest OfficerFT$136,679$136,679
Rudolph Krasovec JrPresident-$11,500$11,500
Marylou StefanickDirector-$10,836$10,836
Julie SchnellerDirector-$7,411$7,411
Daniel MihelichDirector-$5,577$5,577
Timothy KlodnickDirector-$5,418$5,418
Robert Lokar JrDirector-$3,975$3,975
Michael VidmarDirector-$3,900$3,900
Joseph HocevarDirector-$3,800$3,800
Philip HrvatinVice President-$3,800$3,800
Anthony MenartDirector-$3,750$3,750
Kenneth VelasquezDirector-$3,300$3,300
Theresa KrampacDirector-$3,300$3,300
Albert Suhadolnik JrVice President-$3,225$3,225
Daniel GolobDirector-$3,000$3,000
Gregory SnyderDirector-$3,000$3,000
Joyce VicichDirector-$3,000$3,000
Patricia SlapnickDirector-$3,000$3,000
Sharon BucarDirector-$3,000$3,000
Reverend Richard GielowDirector-$1,000$1,000

Highest Paid Contractors

ContractorServicesLocationCompensation
Asset Management AllianceInsurance Agency-$520,320
Griffith BallardActuarial services-$153,612
James JohnsonInsurance Agency-$140,191
Bentron Financial GroupInsurance Agency-$128,786
Thomas Burns & AssocInsurance Agency-$122,690
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$67,330,819
Investment Income
$18,161,462
Other Revenue
$3,217,240
Change in Net Assets
$1,938,913

Audited Revenue Reconciliation

Revenue per Audited Statements
$88,709,521
Total Revenue per Audited Statements
$88,709,521
Total Revenue per Form 990
$88,709,521
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$7,281,930
Salaries, Compensation, and Employee Benefits$2,466,177
Grants and Similar Amounts Paid$54,797
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members$76,967,704--$76,967,704
Other Salaries and Wages$1,201,324--$1,201,324
Pension Plan Contributions$513,667--$513,667
Other Employee Benefits$436,503--$436,503
Current Officers, Directors, Trustees, and Key Employees$228,792--$228,792
Information Technology$208,989--$208,989
Fees for Services Other$194,191--$194,191
Conferences and Meetings$180,000--$180,000
Other Expenses$157,866--$157,866
Occupancy$146,464--$146,464
Insurance$139,332--$139,332
Payroll Taxes$85,891--$85,891
Advertising$83,098--$83,098
All Other Expenses$77,627--$77,627
Fees for Service Investment Mgmnt Fees$74,760--$74,760
Grants to Domestic Individuals$54,797--$54,797
Fees for Services Accounting$54,245--$54,245
Travel$46,151--$46,151
Depreciation Depletion$34,885--$34,885
Fees for Services Legal$30,429--$30,429
Total Functional Expenses$86,770,608$0$0$86,770,608

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$86,770,608
Total Expenses per Audited Statements$86,770,608
Total Expenses per Form 990$86,770,608
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
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Aggregate ReSERVE FOR CERTIFICATES$327,366,707
Liability for deposit-type contracts$22,389,048
Interest maintenance reserve$3,332,214
Asset valuation reserve$1,662,954
Post Retirement Health Care$476,847
Premiums paid in advance$457,888
Contract Claims$324,703
ReFUNDS PAYABLE IN FOLLOWING YEAR$292,956
Unfunded pension Liability$150,000
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 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, Line 6: Explanation of Classes of Members or Shareholder

“The members are individuals who belong to a local lodge and have met the membership requirements by purchasing one or more insurance and/or annuity products of KSKJ Life.”

Form 990, Part VI, Line 11B: Form 990 Review Process

“The form 990 is prepared by an independent CPA firm. The prepared form 990 is forwarded to the organizations CEO for his review. The CEO is authorized by the organizations board to review and sign the form 990.”

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

“The statements are monitored by the organizations president who monitors any disclosed conflicts of interest.”

Form 990, Part VI, Line 15A: Compensation Review & Approval Process - CEO, Top Management

“Officer compensation is set at the national convention every four years.”

Form 990, Part VI, Line 15B: Compensation Review and Approval Process for Officers and Key Employees

“Officer compensation is set at the national convention every four years.”

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

“Documents are available upon request.”

Filing and Contact Details

Filer

EIN
36-1150880
Phone
8157412001

Signing Officer

Name
Anthony Mravle
Title
Chief Exec Officer
Signed
2014-07-02
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Anthony T Mravle
Formed
1894
Legal Domicile
Il
Voting Board Members
20
Independent Board Members
16
Employees
19
Volunteers
1,000

Preparer

Preparer
Kurt P Hoffman
Phone
8472970300
Supplemental Narrative

Additional Explanations

Other Changes In Net Assets Or Fund Balances - Other Decreases

“Change in AVR = -$243548”

Other Changes In Net Assets Or Fund Balances - Other Decreases

“Change in Fraternal Investment Funds = -$3670”

Other Changes In Net Assets Or Fund Balances - Other Increases

“Change in Nonadmitted assets = $24997”

Other Changes In Net Assets Or Fund Balances - Other Decreases

“Change in other post retirement = -$224363”

Raw XML AppendixShowing 400 of 698 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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IRS990/Form990PartVIISectionAGrp/TitleTxt18CEO
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IRS990/Form990PartVIISectionAGrp/TitleTxt20Vice President
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Document Assets

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Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$368,802,455
Liabilities
$357,332,802
Net assets
$11,469,653
Revenue
$88,709,521
Expenses
$86,770,608
Net income
$1,938,913
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$510$492$17.4$70.7$67.5$3.22
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$547$532$15.6$104$105$0.57
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$567$549$17.7$99.7$99.6$0.14
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$557$538$19.2$81.3$81.0$0.30
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$527$507$20.0$85.9$85.1$0.76
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$520$501$19.6$94.9$93.8$1.10
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$513$494$18.9$81.6$79.1$2.48
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$506$490$16.8$77.2$75.3$1.89
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$485$469$15.8$76.3$75.0$1.29
2015Detailed filing. Detailed filing data is available for this year.$461$446$15.0$90.3$89.5$0.88
2014Detailed filing. Detailed filing data is available for this year.$417$402$14.5$82.4$79.1$3.28
2013Detailed filing. Detailed filing data is available for this year.$369$357$11.5$88.7$86.8$1.94
2012XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$312$302$9.84$83.6
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$256$248$8.07$84.6
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$198$192$6.43$72.7