Civic Intelligence

Kskj Life American Slovenian Catholic Union

990 • Fiscal year 2014 • EIN 36-1150880

Jan 01, 2014 to Dec 31, 2014 • Filed on Jul 22, 2015

Organization Profilewww.kskjlife.com

View Organization Page

2439 Glenwood AveJoliet, IL 60435

(815) 741-2001

Siviq Scores

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

Liabilities / Assets

94th percentile

0.97x

Higher debt load relative to assets than 94% of similar nonprofits.

2014 filings • $250M-$1B nonprofits • Source year 2014

Liabilities / Revenue

85th percentile

4.88x

Higher debt load relative to revenue than 85% of similar nonprofits.

2014 filings • $250M-$1B nonprofits • Source year 2014

Net Margin

38th percentile

4.0%

Higher net margin than 38% of similar nonprofits.

2014 filings • $250M-$1B nonprofits • Source year 2014

Top Officer Pay

15th percentile

$261,592

Higher top officer pay than 15% of similar nonprofits.

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

2014 filings • $250M-$1B nonprofits • Source year 2014

Asset Growth

80th percentile

13%

Faster asset growth than 80% of similar nonprofits.

2014 filings • $250M-$1B nonprofits • Annualized from 2013 to 2014

Revenue Growth

15th percentile

-7.1%

Faster revenue growth than 15% of similar nonprofits.

2014 filings • $250M-$1B nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets94th percentile

Assets

Up

$416,766,287

Up $47,963,832 (+13%) from 2013

Net Assets

Up

$14,511,835

Up $3,042,182 (+27%) from 2013

Liabilities

Up

$402,254,452

Up $44,921,650 (+13%) from 2013

Revenue And Expenses
Liabilities / Revenue85th percentileNet Margin38th percentile

Revenue

Down

$82,421,933

Down $6,287,588 (-7.1%) from 2013

Expenses

Down

$79,144,590

Down $7,626,018 (-8.8%) from 2013

Net Income

Up

$3,277,343

Up $1,338,430 (+69%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth80th 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

2014

Assets$416,766,287
Liabilities$402,254,452
Net Assets$14,511,835
Open 2014 Filing

Operations Trend

Revenue Growth15th percentile

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

2014

Revenue$82,421,933
Expenses$79,144,590
Net Income$3,277,343
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Jul 22, 2015
Return Version
2014v5.0
Gross Receipts
$100,093,086
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$352,838,562$395,287,912▲ $42,449,350
Pd in Cap Srpls Land Bldg Eqp Fund$10,318,727$13,346,697▲ $3,027,970
Savings and Temporary Cash Investments$8,224,220$13,110,834▲ $4,886,614
Investments Other Securities$1,240,617$1,370,462▲ $129,845
Rtn Earn Endowment Incm Other Fnds$1,150,926$1,165,138▲ $14,212
Land, Buildings, and Equipment, Net$293,323$302,436▲ $9,113
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$368,802,455$416,766,287▲ $47,963,832
Other Assets Total$6,205,733$6,694,643▲ $488,910
Liabilities
Other Liabilities$356,453,317$401,618,474▲ $45,165,157
Accounts Payable and Accrued Expenses$879,485$635,978▼ $243,507
Total Liabilities$357,332,802$402,254,452▲ $44,921,650
Net Assets / Fund Balance
Total Net Assets Fund Balance$11,469,653$14,511,835▲ $3,042,182
Total Liabilities and Net Assets / Fund Balance$368,802,455$416,766,287▲ $47,963,832

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$302,436$759,556$1,061,992
Compensation and Service Providers
Top Officer Pay15th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Paul KaiserNational Sales MgrFT$261,592$261,592
Anthony T MravleCEOFT$161,764$161,764
Kathy LovatiAsst Sales MgrFT$146,930$146,930
Nancy GarrettSecretaryFT$88,295$88,295
Rudolph Krasovec JrChairmanPT$15,000$15,000
Philip HrvatinVice ChairmanPT$5,750$5,750
Julie SchnellerDirector-$5,000$5,000
Marylou StefanickDirector-$4,875$4,875
Anthony MenartDirector-$4,500$4,500
Daniel GolobDirector-$4,500$4,500
Daniel MihelichDirector-$4,500$4,500
Michael VidmarDirector-$4,500$4,500
Robert Lokar JrDirector-$4,500$4,500
Patricia SlapnickDirector-$3,375$3,375
Joseph HocevarDirector-$3,250$3,250
Gregory SnyderDirector-$3,250$3,250
Sharon BucarDirector-$3,250$3,250
Theresa KrampacDirector-$3,250$3,250
Albert Suhadolnik JrDirector-$2,000$2,000
Joyce VicichDirector-$2,000$2,000
Timothy KlodnickDirector-$2,000$2,000
Andrea Pugel OstrowskiDirector-$1,875$1,875
Reverend Richard GielowDirector-$1,000$1,000

Highest Paid Contractors

ContractorServicesLocationCompensation
Asset Management AllianceInsurance Agency60 Orland Square Dr, Orland Park, IL 60462$197,769
JLS ConceptsInsurance Agency4884 Higbee Ave NW, Canton, OH 44718$180,131
Griffith BallardActuary100 First Ave NE, Cedar Rapids, IA 52401$171,659
James JohnsonInsurance AgencyPO Box 1225, Virginia, MN 55792$139,824
Thomas Burns & AssocInsurance Agency7330 College Dr 103, Palos Hts, IL 60463$131,307
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$59,043,339
Investment Income
$20,645,088
Other Revenue
$2,733,506
Change in Net Assets
$3,277,343

Audited Revenue Reconciliation

Revenue per Audited Statements
$82,421,933
Total Revenue per Audited Statements
$82,421,933
Total Revenue per Form 990
$82,421,933
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$7,519,536
Salaries, Compensation, and Employee Benefits$2,130,442
Grants and Similar Amounts Paid$33,020
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members$69,461,592--$69,461,592
Other Salaries and Wages$1,293,870--$1,293,870
Other Expenses$354,361--$354,361
Pension Plan Contributions$291,145--$291,145
Current Officers, Directors, Trustees, and Key Employees$240,139--$240,139
Conferences and Meetings$222,285--$222,285
Other Employee Benefits$203,886--$203,886
Fees for Services Other$195,318--$195,318
Occupancy$158,887--$158,887
All Other Expenses$113,335--$113,335
Payroll Taxes$101,402--$101,402
Information Technology$101,397--$101,397
Insurance$73,991--$73,991
Fees for Service Investment Mgmnt Fees$64,999--$64,999
Fees for Services Accounting$45,966--$45,966
Grants to Domestic Individuals$33,020--$33,020
Travel$30,301--$30,301
Advertising$22,557--$22,557
Fees for Services Legal$15,173--$15,173
Depreciation Depletion$13,693--$13,693
Total Functional Expenses$79,144,590$0$0$79,144,590

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$79,144,590
Total Expenses per Audited Statements$79,144,590
Total Expenses per Form 990$79,144,590
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$368,851,374
Liability for deposit-type contracts$25,947,250
Interest maintenance reserve$3,186,002
Asset valuation reserve$1,933,681
Premiums paid in advance$547,319
Post Retirement Health Care$476,847
ReFUNDS PAYABLE IN FOLLOWING YEAR$339,649
Contract Claims$336,352
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

Filer Name
KSKJ Life
EIN
36-1150880
Phone
8157412001
Address
2439 Glenwood Ave, Joliet, IL 60435

Signing Officer

Name
Anthony Mravle
Title
Chief Exec Officer
Signed
2015-07-22
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
27
Volunteers
1,000

Preparer

Firm
Frank J Baker & Company Ltd
Address
950 Lee Street Suite 101, Des Plaines, IL 60016-6575
Preparer
Kurt P Hoffman
Phone
8472970300
Supplemental Narrative

Additional Explanations

Other Changes In Net Assets Or Fund Balances - Other Decreases

“Change in AVR = -$270728”

Other Changes In Net Assets Or Fund Balances - Other Increases

“Change in Fair Market Value = $30122”

Other Changes In Net Assets Or Fund Balances - Other Decreases

“Change in Non admitted Assets = -$39239”

Other Changes In Net Assets Or Fund Balances - Other Increases

“Change in other post retirement = $30472”

Other Changes In Net Assets Or Fund Balances - Other Increases

“Increase in Fraternal Inv Funds = $14212”

Raw XML AppendixShowing 400 of 696 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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Document Assets

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Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$416,766,287
Liabilities
$402,254,452
Net assets
$14,511,835
Revenue
$82,421,933
Expenses
$79,144,590
Net income
$3,277,343
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
2013XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$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