Civic Intelligence

Kskj Life American Slovenian Catholic Union

990 • Fiscal year 2015 • EIN 36-1150880

Jan 01, 2015 to Dec 31, 2015 • Filed on Jul 08, 2016

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.

2015 filings • $250M-$1B nonprofits • Source year 2015

Liabilities / Revenue

85th percentile

4.94x

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

2015 filings • $250M-$1B nonprofits • Source year 2015

Net Margin

27th percentile

1.0%

Higher net margin than 27% of similar nonprofits.

2015 filings • $250M-$1B nonprofits • Source year 2015

Top Officer Pay

33rd percentile

$433,574

Higher top officer pay than 33% of similar nonprofits.

Top officer pay equals 0.5% of source-year revenue.

2015 filings • $250M-$1B nonprofits • Source year 2015

Asset Growth

83rd percentile

11%

Faster asset growth than 83% of similar nonprofits.

2015 filings • $250M-$1B nonprofits • Annualized from 2014 to 2015

Revenue Growth

71st percentile

9.6%

Faster revenue growth than 71% of similar nonprofits.

2015 filings • $250M-$1B nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets94th percentile

Assets

Up

$461,372,641

Up $44,606,354 (+11%) from 2014

Net Assets

Up

$15,018,200

Up $506,365 (+3.5%) from 2014

Liabilities

Up

$446,354,441

Up $44,099,989 (+11%) from 2014

Revenue And Expenses
Liabilities / Revenue85th percentileNet Margin27th percentile

Revenue

Up

$90,344,723

Up $7,922,790 (+9.6%) from 2014

Expenses

Up

$89,460,891

Up $10,316,301 (+13%) from 2014

Net Income

Down

$883,832

Down $2,393,511 (-73%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth83rd 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

2015

Assets$461,372,641
Liabilities$446,354,441
Net Assets$15,018,200
Open 2015 Filing

Operations Trend

Revenue Growth71st 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

2015

Revenue$90,344,723
Expenses$89,460,891
Net Income$883,832
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Jul 8, 2016
Return Version
2015v2.0
Gross Receipts
$99,386,502
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$395,287,912$432,625,076▲ $37,337,164
Savings and Temporary Cash Investments$13,110,834$19,855,762▲ $6,744,928
Pd in Cap Srpls Land Bldg Eqp Fund$13,346,697$13,820,682▲ $473,985
Investments Other Securities$1,370,462$1,477,681▲ $107,219
Rtn Earn Endowment Incm Other Fnds$1,165,138$1,197,518▲ $32,380
Land, Buildings, and Equipment, Net$302,436$273,394▼ $29,042
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$416,766,287$461,372,641▲ $44,606,354
Other Assets Total$6,694,643$7,140,728▲ $446,085
Liabilities
Other Liabilities$401,618,474$445,419,734▲ $43,801,260
Accounts Payable and Accrued Expenses$635,978$934,707▲ $298,729
Total Liabilities$402,254,452$446,354,441▲ $44,099,989
Net Assets / Fund Balance
Total Net Assets Fund Balance$14,511,835$15,018,200▲ $506,365
Total Liabilities and Net Assets / Fund Balance$416,766,287$461,372,641▲ $44,606,354

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$273,394$788,598$1,061,992
Compensation and Service Providers
Top Officer Pay33rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Paul KaiserNational Sales MgrFT$415,739$17,835$433,574
Anthony T MravleCEOFT$236,376$37,049$273,425
Kathy LovatiAsst Sales MgrFT$180,143$7,088$187,231
Anthony J MravleChief Info OfficerFT$121,257$21,968$143,225
Stuart BuchananCorp SecretaryFT$76,108-$76,108
Rudolph Krasovec JrChairmanPT$24,000-$24,000
Philip HrvatinVice ChairmanPT$15,000-$15,000
Anthony MenartDirector-$10,000-$10,000
Daniel GolobDirector-$10,000-$10,000
Daniel MihelichDirector-$10,000-$10,000
Julie SchnellerDirector-$10,000-$10,000
Michael VidmarDirector-$10,000-$10,000
Robert Lokar JrDirector-$10,000-$10,000

Highest Paid Contractors

ContractorServicesLocationCompensation
JLS ConceptsInsurance Agency4884 Higbee Ave NW, Canton, OH 44718$341,969
Asset Management AllianceInsurance Agency60 Orland Sq Dr, Orland Park, IL 60462$191,658
SparxooMarketing514 N Franlin 202, Tampa, FL 33602$182,018
Griffith BallardActuary100 First Ave NE, Cedar Rapids, IA 52401$158,277
Sams Hockaday AssociatesInsurance Agency122 W Prairie Ave 201, Decatur, IL 62523$147,974
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$65,728,324
Investment Income
$22,347,816
Other Revenue
$2,268,583
Change in Net Assets
$883,832

Audited Revenue Reconciliation

Revenue per Audited Statements
$90,344,723
Total Revenue per Audited Statements
$90,344,723
Total Revenue per Form 990
$90,344,723
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$10,208,690
Salaries, Compensation, and Employee Benefits$2,261,420
Grants and Similar Amounts Paid$117,984
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members$76,872,797--$76,872,797
Other Salaries and Wages$1,464,751--$1,464,751
Current Officers, Directors, Trustees, and Key Employees$448,533--$448,533
Other Expenses$393,314--$393,314
Occupancy$245,539--$245,539
Other Employee Benefits$222,475--$222,475
Fees for Services Other$215,014--$215,014
Information Technology$204,596--$204,596
Fees for Service Investment Mgmnt Fees$92,980--$92,980
Insurance$86,633--$86,633
Payroll Taxes$83,434--$83,434
Grants to Domestic Individuals$79,975--$79,975
All Other Expenses$77,774--$77,774
Travel$67,970--$67,970
Fees for Services Accounting$65,270--$65,270
Depreciation Depletion$62,965--$62,965
Conferences and Meetings$60,000--$60,000
Pension Plan Contributions$42,227--$42,227
Advertising$40,320--$40,320
Grants to Domestic Orgs$38,009--$38,009
Fees for Services Legal$19,197--$19,197
Total Functional Expenses$89,460,891$0$0$89,460,891

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$89,460,891
Total Expenses per Audited Statements$89,460,891
Total Expenses per Form 990$89,460,891
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$412,163,791
Liability for deposit-type contracts$26,266,849
Interest maintenance reserve$2,659,454
Asset valuation reserve$2,305,013
Premiums paid in advance$710,807
Contract Claims Payable$516,362
Post Retirement Health Care$434,811
ReFUNDS PAYABLE IN FOLLOWING YEAR$362,647
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
2016-07-08
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Anthony T Mravle
Formed
1894
Legal Domicile
Il
Voting Board Members
10
Independent Board Members
6
Employees
33
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 = -$371331”

Other Changes In Net Assets Or Fund Balances - Other Decreases

“Change in FMV = -$5”

Other Changes In Net Assets Or Fund Balances - Other Decreases

“Change in Non admitted Assets = -$80545”

Other Changes In Net Assets Or Fund Balances - Other Increases

“Change in other post retirement = $42036”

Other Changes In Net Assets Or Fund Balances - Other Increases

“Increase in Fraternal Inv Funds = $32380”

Other Changes In Net Assets Or Fund Balances - Other Decreases

“Rounding = -$2”

Raw XML AppendixShowing 400 of 616 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/PersonNm1Anthony Menart
IRS990/Form990PartVIISectionAGrp/PersonNm2Michael Vidmar
IRS990/Form990PartVIISectionAGrp/PersonNm3Daniel Mihelich
IRS990/Form990PartVIISectionAGrp/PersonNm4Julie Schneller
IRS990/Form990PartVIISectionAGrp/PersonNm5Daniel Golob
IRS990/Form990PartVIISectionAGrp/PersonNm6Stuart Buchanan
IRS990/Form990PartVIISectionAGrp/PersonNm7Anthony T Mravle
IRS990/Form990PartVIISectionAGrp/PersonNm8Philip Hrvatin
IRS990/Form990PartVIISectionAGrp/PersonNm9Rudolph Krasovec Jr
IRS990/Form990PartVIISectionAGrp/PersonNm10Paul Kaiser
IRS990/Form990PartVIISectionAGrp/PersonNm11Kathy Lovati
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IRS990/Form990PartVIISectionAGrp/TitleTxt3Director
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Corp Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt7CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt8Vice Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt9Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt10National Sales Mgr
IRS990/Form990PartVIISectionAGrp/TitleTxt11Asst Sales Mgr
IRS990/Form990PartVIISectionAGrp/TitleTxt12Chief Info Officer
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IRS990/InsuranceGrp/TotalAmt086633
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IRS990/InterestGrp/TotalAmt00
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IRS990/LoanOutstandingInd0false
IRS990/LobbyingActivitiesInd0false
IRS990/LocalChaptersInd0true
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IRS990/MembersOrStockholdersInd0true
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IRS990/MinutesOfCommitteesInd0true
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IRS990/MissionDesc0Our mission is to provide our members and their families with financial security and fraternal benefits that promote traditional Christian heritage and family values.
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IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt014511835
IRS990/NetAssetsOrFundBalancesEOYAmt015018200
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0-78324
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-78324
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/ProgramServicesAmt0245539
IRS990/OccupancyGrp/TotalAmt0245539
IRS990/OfficeExpensesGrp/TotalAmt00
IRS990/OfficerMailingAddressInd0false
IRS990/OnBehalfOfIssuerInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OrgFiledInLieuOfForm1041Ind0false
IRS990/OtherAssetsTotalGrp/BOYAmt06694643
IRS990/OtherAssetsTotalGrp/EOYAmt07140728
IRS990/OtherChangesInNetAssetsAmt0-377467
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt0222475
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0222475
IRS990/OtherExpensesGrp/Desc0Commissions on premiums
IRS990/OtherExpensesGrp/Desc1GENERAL EXPENSES
IRS990/OtherExpensesGrp/Desc2Field expenses
IRS990/OtherExpensesGrp/Desc3Refunds to members
IRS990/OtherExpensesGrp/ProgramServicesAmt06646165
IRS990/OtherExpensesGrp/ProgramServicesAmt11221393
IRS990/OtherExpensesGrp/ProgramServicesAmt2709560
IRS990/OtherExpensesGrp/ProgramServicesAmt3393314
IRS990/OtherExpensesGrp/TotalAmt06646165
IRS990/OtherExpensesGrp/TotalAmt11221393
IRS990/OtherExpensesGrp/TotalAmt2709560
IRS990/OtherExpensesGrp/TotalAmt3393314
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IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt1216401
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IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt1216401
IRS990/OtherRevenueTotalAmt02268583
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IRS990/ProgramServiceRevenueGrp/Desc0Accident Health Premiums
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IRS990/ProgramServiceRevenueGrp/Desc2Annuity Premium
IRS990/ProgramServiceRevenueGrp/Desc3Life Premium
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt254650858
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt36409819
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IRS990/ReconcilationRevenueExpnssAmt0883832

Document Assets

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Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$461,372,641
Liabilities
$446,354,441
Net assets
$15,018,200
Revenue
$90,344,723
Expenses
$89,460,891
Net income
$883,832
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