Civic Intelligence

Kskj Life American Slovenian Catholic Union

990 • Fiscal year 2017 • EIN 36-1150880

Jan 01, 2017 to Dec 31, 2017 • Filed on Aug 06, 2018

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.

2017 filings • $250M-$1B nonprofits • Source year 2017

Liabilities / Revenue

85th percentile

6.34x

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

2017 filings • $250M-$1B nonprofits • Source year 2017

Net Margin

37th percentile

2.4%

Higher net margin than 37% of similar nonprofits.

2017 filings • $250M-$1B nonprofits • Source year 2017

Top Officer Pay

27th percentile

$389,069

Higher top officer pay than 27% of similar nonprofits.

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

2017 filings • $250M-$1B nonprofits • Source year 2017

Asset Growth

40th percentile

4.4%

Faster asset growth than 40% of similar nonprofits.

2017 filings • $250M-$1B nonprofits • Annualized from 2016 to 2017

Revenue Growth

29th percentile

1.2%

Faster revenue growth than 29% of similar nonprofits.

2017 filings • $250M-$1B nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets94th percentile

Assets

Up

$506,489,918

Up $21,468,193 (+4.4%) from 2016

Net Assets

Up

$16,824,681

Up $1,032,493 (+6.5%) from 2016

Liabilities

Up

$489,665,237

Up $20,435,700 (+4.4%) from 2016

Revenue And Expenses
Liabilities / Revenue85th percentileNet Margin37th percentile

Revenue

Up

$77,187,841

Up $889,954 (+1.2%) from 2016

Expenses

Up

$75,300,102

Up $296,499 (+0.4%) from 2016

Net Income

Up

$1,887,739

Up $593,455 (+46%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth40th 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

2017

Assets$506,489,918
Liabilities$489,665,237
Net Assets$16,824,681
Open 2017 Filing

Operations Trend

Revenue Growth29th 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

2017

Revenue$77,187,841
Expenses$75,300,102
Net Income$1,887,739
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Aug 6, 2018
Return Version
2017v2.2
Gross Receipts
$92,388,777
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$465,623,844$477,621,577▲ $11,997,733
Savings and Temporary Cash Investments$9,181,536$18,188,582▲ $9,007,046
Pd in Cap Srpls Land Bldg Eqp Fund$14,609,012$15,624,624▲ $1,015,612
Investments Other Securities$1,573,046$1,631,529▲ $58,483
Land, Buildings, and Equipment, Net$1,191,487$1,352,995▲ $161,508
Rtn Earn Endowment Incm Other Fnds$1,183,176$1,200,057▲ $16,881
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$485,021,725$506,489,918▲ $21,468,193
Other Assets Total$7,451,812$7,695,235▲ $243,423
Liabilities
Other Liabilities$467,382,008$487,907,074▲ $20,525,066
Deferred Revenue$787,893$1,103,848▲ $315,955
Accounts Payable and Accrued Expenses$1,059,636$654,315▼ $405,321
Total Liabilities$469,229,537$489,665,237▲ $20,435,700
Net Assets / Fund Balance
Total Net Assets Fund Balance$15,792,188$16,824,681▲ $1,032,493
Total Liabilities and Net Assets / Fund Balance$485,021,725$506,489,918▲ $21,468,193

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,352,995$902,145$2,255,140
Compensation and Service Providers
Top Officer Pay27th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Anthony T Mravle SrCEOFT$290,625$347,419$389,069
Paul KaiserDirector of Agent SalesFT$77,070$10,030$336,075
Stuart BuchananChief Oper OffFT$190,837$60,207$251,044
Anthony J MravleChief Information OfficerFT$171,098$120,261$243,842
Kathy LovatiManager Agent SalesFT$113,400$34,825$195,742
Brian SharpVP ItFT$128,555-$128,555
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
ExamoneMedical10101 Renner Blvd, Lenexa, KS 66219$363,100
Griffith Ballard & CoActuary100 First Ave NE, Cedar Rapids, IA 52401$251,599
AqueityComputer Software2805 Butterfield Rd, Oak Brook, IL 60523$251,080
Optimum ReInsurance1345 River Bend 100, Dallas, TX 75247$241,023
SparxooMarketing450 Knights Run 1, Tampa, FL 33602$146,946
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$50,721,463
Investment Income
$24,995,908
Other Revenue
$1,470,470
Change in Net Assets
$1,887,739

Audited Revenue Reconciliation

Revenue per Audited Statements
$77,187,841
Total Revenue per Audited Statements
$77,187,841
Total Revenue per Form 990
$77,187,841
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$10,248,871
Salaries, Compensation, and Employee Benefits$3,511,458
Grants and Similar Amounts Paid$104,941
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members$61,434,832--$61,434,832
Current Officers, Directors, Trustees, and Key Employees$1,514,772--$1,514,772
Other Salaries and Wages$1,466,391--$1,466,391
Information Technology$413,843--$413,843
Other Expenses$296,232--$296,232
Fees for Services Other$295,074--$295,074
Occupancy$293,010--$293,010
Other Employee Benefits$236,894--$236,894
Payroll Taxes$193,586--$193,586
All Other Expenses$160,722--$160,722
Advertising$144,587--$144,587
Insurance$143,933--$143,933
Fees for Services Accounting$109,430--$109,430
Pension Plan Contributions$99,815--$99,815
Fees for Service Investment Mgmnt Fees$92,392--$92,392
Fees for Services Legal$90,380--$90,380
Conferences and Meetings$60,267--$60,267
Grants to Domestic Individuals$53,280--$53,280
Grants to Domestic Orgs$51,661--$51,661
Depreciation Depletion$48,940--$48,940
Travel$25,255--$25,255
Total Functional Expenses$75,300,102$0$0$75,300,102

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$75,300,102
Total Expenses per Audited Statements$75,300,102
Total Expenses per Form 990$75,300,102
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
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 - LIFE CONTRACTS$459,442,026
Liability deposit-type contracts$20,263,243
Asset valuation reserve$3,416,825
Interest maintenance reserve$2,989,456
Contract Claims Payable Life$577,629
Post Retirement Health Care$502,385
ReFUNDS PAYABLE IN FOLLOWING YEAR$392,118
Aggregate Reserve- Health$196,606
Contract Claims Accident & Health$126,786
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

“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 T Mravle Sr
Title
CEO
Signed
2018-08-06
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Anthony T Mravle Sr
Formed
1894
Legal Domicile
Il
Voting Board Members
8
Independent Board Members
8
Employees
45
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 Asset Valuation Reserve = -$643613”

Other Changes In Net Assets Or Fund Balances - Other Decreases

“Change in Non admitted Assets = -$85709”

Other Changes In Net Assets Or Fund Balances - Other Decreases

“Change in other post retirement = -$16692”

Other Changes In Net Assets Or Fund Balances - Other Increases

“Change in State Mutual = $187506”

Other Changes In Net Assets Or Fund Balances - Other Increases

“Increase in Fraternal Investment Funds = $16881”

Other Changes In Net Assets Or Fund Balances - Other Decreases

“Increase in Supplemental Contract Liability = -$312893”

Raw XML AppendixShowing 400 of 644 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/PersonNm0Robert Lokar Jr
IRS990/Form990PartVIISectionAGrp/PersonNm1Anthony Menart
IRS990/Form990PartVIISectionAGrp/PersonNm2Michael Vidmar
IRS990/Form990PartVIISectionAGrp/PersonNm3Daniel Mihelich
IRS990/Form990PartVIISectionAGrp/PersonNm4Philip Hrvatin
IRS990/Form990PartVIISectionAGrp/PersonNm5Julie Schneller
IRS990/Form990PartVIISectionAGrp/PersonNm6Daniel Golob
IRS990/Form990PartVIISectionAGrp/PersonNm7Rudolph Krasovec Jr
IRS990/Form990PartVIISectionAGrp/PersonNm8Anthony T Mravle Sr
IRS990/Form990PartVIISectionAGrp/PersonNm9Stuart Buchanan
IRS990/Form990PartVIISectionAGrp/PersonNm10Paul Kaiser
IRS990/Form990PartVIISectionAGrp/PersonNm11Kathy Lovati
IRS990/Form990PartVIISectionAGrp/PersonNm12Anthony J Mravle
IRS990/Form990PartVIISectionAGrp/PersonNm13Brian Sharp
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IRS990/Form990PartVIISectionAGrp/TitleTxt1Director
IRS990/Form990PartVIISectionAGrp/TitleTxt2Director
IRS990/Form990PartVIISectionAGrp/TitleTxt3Director
IRS990/Form990PartVIISectionAGrp/TitleTxt4Vice Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt8CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt9Chief Oper Off
IRS990/Form990PartVIISectionAGrp/TitleTxt10Director of Agent Sales
IRS990/Form990PartVIISectionAGrp/TitleTxt11Manager Agent Sales
IRS990/Form990PartVIISectionAGrp/TitleTxt12Chief Information Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt13VP IT
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IRS990/FSAuditedInd0true
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IRS990/GamingActivitiesInd0false
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IRS990/GrantToRelatedPersonInd0false
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IRS990/InformationTechnologyGrp/TotalAmt0413843
IRS990/InsuranceGrp/ProgramServicesAmt0143933
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IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt024908130
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IRS990/LicensedMoreThanOneStateInd0false
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0true
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
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
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IRS990/NetAssetsOrFundBalancesEOYAmt016824681
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IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt087778
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NondeductibleContributionsInd0false
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IRS990/OccupancyGrp/TotalAmt0293010
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IRS990/OfficerMailingAddressInd0false
IRS990/OnBehalfOfIssuerInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OrgFiledInLieuOfForm1041Ind0false
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IRS990/OtherAssetsTotalGrp/EOYAmt07695235
IRS990/OtherChangesInNetAssetsAmt0-854520
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IRS990/OtherEmployeeBenefitsGrp/TotalAmt0236894
IRS990/OtherExpensesGrp/Desc0Commissions on premiums
IRS990/OtherExpensesGrp/Desc1GENERAL EXPENSES
IRS990/OtherExpensesGrp/Desc2Refunds to members
IRS990/OtherExpensesGrp/Desc3Agent & Field expenses
IRS990/OtherExpensesGrp/ProgramServicesAmt06516170
IRS990/OtherExpensesGrp/ProgramServicesAmt11144211
IRS990/OtherExpensesGrp/ProgramServicesAmt2414425
IRS990/OtherExpensesGrp/ProgramServicesAmt3296232
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IRS990/OtherExpensesGrp/TotalAmt11144211
IRS990/OtherExpensesGrp/TotalAmt2414425
IRS990/OtherExpensesGrp/TotalAmt3296232
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IRS990/PrincipalOfficerNm0Anthony T Mravle Sr
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IRS990/ProgramServiceRevenueGrp/Desc0Accident Health Premiums
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IRS990/ProgramServiceRevenueGrp/Desc2Annuity Premium
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Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$506,489,918
Liabilities
$489,665,237
Net assets
$16,824,681
Revenue
$77,187,841
Expenses
$75,300,102
Net income
$1,887,739
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
2017Detailed filing. Detailed filing data is available for this year.$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