Civic Intelligence

Kskj Life American Slovenian Catholic Union

990 • Fiscal year 2019 • EIN 36-1150880

Jan 01, 2019 to Dec 31, 2019 • Filed on Sep 21, 2020

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

0.96x

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

2019 filings • $250M-$1B nonprofits • Source year 2019

Liabilities / Revenue

85th percentile

5.27x

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

2019 filings • $250M-$1B nonprofits • Source year 2019

Net Margin

33rd percentile

1.2%

Higher net margin than 33% of similar nonprofits.

2019 filings • $250M-$1B nonprofits • Source year 2019

Top Officer Pay

22nd percentile

$331,866

Higher top officer pay than 22% of similar nonprofits.

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

2019 filings • $250M-$1B nonprofits • Source year 2019

Asset Growth

29th percentile

1.3%

Faster asset growth than 29% of similar nonprofits.

2019 filings • $250M-$1B nonprofits • Annualized from 2018 to 2019

Revenue Growth

83rd percentile

16%

Faster revenue growth than 83% of similar nonprofits.

2019 filings • $250M-$1B nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets94th percentile

Assets

Up

$520,229,093

Up $6,895,643 (+1.3%) from 2018

Net Assets

Up

$19,619,348

Up $674,350 (+3.6%) from 2018

Liabilities

Up

$500,609,745

Up $6,221,293 (+1.3%) from 2018

Revenue And Expenses
Liabilities / Revenue85th percentileNet Margin33rd percentile

Revenue

Up

$94,930,781

Up $13,333,073 (+16%) from 2018

Expenses

Up

$93,835,129

Up $14,717,633 (+19%) from 2018

Net Income

Down

$1,095,652

Down $1,384,560 (-56%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth29th 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

2019

Assets$520,229,093
Liabilities$500,609,745
Net Assets$19,619,348
Open 2019 Filing

Operations Trend

Revenue Growth83rd 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

2019

Revenue$94,930,781
Expenses$93,835,129
Net Income$1,095,652
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Sep 21, 2020
Return Version
2019v5.0
Gross Receipts
$138,293,743
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$490,235,776$485,902,609▼ $4,333,167
Savings and Temporary Cash Investments$12,079,532$23,398,402▲ $11,318,870
Pd in Cap Srpls Land Bldg Eqp Fund$17,755,973$18,371,877▲ $615,904
Investments Other Securities$1,809,514$1,989,991▲ $180,477
Land, Buildings, and Equipment, Net$1,301,901$1,251,711▼ $50,190
Rtn Earn Endowment Incm Other Fnds$1,189,025$1,247,471▲ $58,446
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$513,333,450$520,229,093▲ $6,895,643
Other Assets Total$7,906,727$7,686,380▼ $220,347
Liabilities
Other Liabilities$492,984,701$498,609,810▲ $5,625,109
Deferred Revenue$988,513$1,182,515▲ $194,002
Accounts Payable and Accrued Expenses$415,238$817,420▲ $402,182
Total Liabilities$494,388,452$500,609,745▲ $6,221,293
Net Assets / Fund Balance
Total Net Assets Fund Balance$18,944,998$19,619,348▲ $674,350
Total Liabilities and Net Assets / Fund Balance$513,333,450$520,229,093▲ $6,895,643

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,251,711$1,072,180$2,323,891
Compensation and Service Providers
Top Officer Pay22nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Paul KaiserSenior VP SalesFT$107,692$16,041$331,866
Anthony J MravleCEOFT$228,244$298,624$318,735
Stuart BuchananCorporate Sec'yFT$211,374$85,068$296,442
Anthony T MravleInvestment MgrFT$200,000$90,344$290,344
Brian SharpCIOFT$175,000$74,005$249,005
Rudolph Krasovec JrChairmanPT$38,050-$38,050
Philip HrvatinVice ChairmanPT$27,075-$27,075
Anthony MenartDirector-$22,000-$22,000
Daniel MihelichDirector-$22,000-$22,000
Julie SchnellerDirector-$18,550-$18,550
MaryLou StefanickDirector-$18,410-$18,410
Robert Lokar JrDirector-$17,900-$17,900
Daniel GolobDirector-$17,750-$17,750

Highest Paid Contractors

ContractorServicesLocationCompensation
Optimum ReInsurance1345 River Bend 100, Dallas, TX 75247$389,495
Griffith Ballard & CoActuary100 First Ave NE, Cedar Rapids, IA 52401$277,865
Intellect Design ArenaDesign20 Corporate Pl S, Piscataway, NJ 08854$200,500
ExamoneMedical10101 Renner Blvd, Lenexa, KS 66219$200,180
AqueityComputer Software2805 Butterfield Rd, Oak Brook, IL 60523$151,430
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$68,700,057
Investment Income
$25,265,695
Other Revenue
$965,029
Change in Net Assets
$1,095,652

Audited Revenue Reconciliation

Revenue per Audited Statements
$94,930,781
Total Revenue per Audited Statements
$94,930,781
Total Revenue per Form 990
$94,930,781
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$11,956,991
Salaries, Compensation, and Employee Benefits$4,304,480
Grants and Similar Amounts Paid$166,980
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members$77,406,678--$77,406,678
Other Salaries and Wages$1,902,934--$1,902,934
Current Officers, Directors, Trustees, and Key Employees$1,668,127--$1,668,127
Fees for Services Other$510,632--$510,632
Information Technology$475,205--$475,205
Occupancy$382,728--$382,728
Other Employee Benefits$295,567--$295,567
Payroll Taxes$229,244--$229,244
Other Expenses$222,034--$222,034
Pension Plan Contributions$208,608--$208,608
All Other Expenses$196,306--$196,306
Advertising$180,043--$180,043
Depreciation Depletion$174,767--$174,767
Insurance$155,255--$155,255
Fees for Service Investment Mgmnt Fees$97,990--$97,990
Fees for Services Legal$91,319--$91,319
Fees for Services Accounting$88,125--$88,125
Grants to Domestic Orgs$85,340--$85,340
Conferences and Meetings$83,900--$83,900
Grants to Domestic Individuals$81,640--$81,640
Travel$67,187--$67,187
Total Functional Expenses$93,835,129$0$0$93,835,129

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$93,835,129
Total Expenses per Audited Statements$93,835,129
Total Expenses per Form 990$93,835,129
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$473,192,581
Supplemental Contracts$15,151,925
Asset valuation reserve$3,966,888
Interest maintenance reserve$2,574,909
Contract Claims Payable Life$923,866
Remittances Not Allocated$842,509
Refund Accumulations$752,193
Post Retirement Health Care$495,407
ReFUNDS PAYABLE IN FOLLOWING YEAR$344,425
Aggregate Reserve- Health$172,300
Contract Claims Accident & Health$124,348
Premium Deposit Funds$66,242
Withheld as Agent$2,217
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 35% controlled entity
No
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 2: Description of Business or Family Relationship of Officers, Directors, Et

“There is a family relationship between Anthony J Mravle and Anthony T Mravle.”

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 organization's CEO for his review. An officer 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
Stuart Buchanan
Title
Corporate Secretary
Signed
2020-09-21
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Anthony J Mravle Jr
Formed
1894
Legal Domicile
Il
Voting Board Members
8
Independent Board Members
8
Employees
55
Volunteers
1,000

Preparer

Firm
Frank J Baker & Company Ltd
Address
950 Lee Street Suite 101, Des Plaines, IL 60016
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 = -$218469”

Other Changes In Net Assets Or Fund Balances - Other Decreases

“Change in Non admitted Assets = -$219001”

Other Changes In Net Assets Or Fund Balances - Other Increases

“Increase in Fraternal Investment Funds = $58446”

Other Changes In Net Assets Or Fund Balances - Other Increases

“Rounding = $5”

Raw XML AppendixShowing 400 of 632 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/PersonNm4Brian Sharp
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IRS990/Form990PartVIISectionAGrp/PersonNm6Philip Hrvatin
IRS990/Form990PartVIISectionAGrp/PersonNm7Anthony Menart
IRS990/Form990PartVIISectionAGrp/PersonNm8Daniel Mihelich
IRS990/Form990PartVIISectionAGrp/PersonNm9Julie Schneller
IRS990/Form990PartVIISectionAGrp/PersonNm10MaryLou Stefanick
IRS990/Form990PartVIISectionAGrp/PersonNm11Robert Lokar Jr
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IRS990/Form990PartVIISectionAGrp/TitleTxt1CEO
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IRS990/Form990PartVIISectionAGrp/TitleTxt3Investment Mgr
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IRS990/InterestGrp/TotalAmt00
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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/NetAssetsOrFundBalancesEOYAmt019619348
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IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-418778
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-42283
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IRS990/OperateHospitalInd0false
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IRS990/OtherAssetsTotalGrp/EOYAmt07686380
IRS990/OtherChangesInNetAssetsAmt0-379019
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt0295567
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0295567
IRS990/OtherExpensesGrp/Desc0Commissions on premiums
IRS990/OtherExpensesGrp/Desc1GENERAL business EXPENSES
IRS990/OtherExpensesGrp/Desc2Refunds to members
IRS990/OtherExpensesGrp/Desc3Agent & Field expenses
IRS990/OtherExpensesGrp/ProgramServicesAmt07838433
IRS990/OtherExpensesGrp/ProgramServicesAmt11017161
IRS990/OtherExpensesGrp/ProgramServicesAmt2375906
IRS990/OtherExpensesGrp/ProgramServicesAmt3222034
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IRS990/OtherExpensesGrp/TotalAmt11017161
IRS990/OtherExpensesGrp/TotalAmt2375906
IRS990/OtherExpensesGrp/TotalAmt3222034
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IRS990/OtherLiabilitiesGrp/EOYAmt0498609810
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IRS990/ProgramServiceRevenueGrp/Desc2Annuity Premium
IRS990/ProgramServiceRevenueGrp/Desc3Life Insurance Premiums
IRS990/ProgramServiceRevenueGrp/Desc4Supplemental Contracts
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt248333370
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IRS990/PYOtherRevenueAmt01182844
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Document Assets

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Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$520,229,093
Liabilities
$500,609,745
Net assets
$19,619,348
Revenue
$94,930,781
Expenses
$93,835,129
Net income
$1,095,652
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
2019Detailed filing. Detailed filing data is available for this year.$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