Civic Intelligence

Kskj Life American Slovenian Catholic Union

990 • Fiscal year 2020 • EIN 36-1150880

Jan 01, 2020 to Dec 31, 2020 • Filed on Jul 05, 2021

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

93rd percentile

0.96x

Higher debt load relative to assets than 93% of similar nonprofits.

2020 filings • $250M-$1B nonprofits • Source year 2020

Liabilities / Revenue

85th percentile

5.90x

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

2020 filings • $250M-$1B nonprofits • Source year 2020

Net Margin

36th percentile

0.9%

Higher net margin than 36% of similar nonprofits.

2020 filings • $250M-$1B nonprofits • Source year 2020

Top Officer Pay

25th percentile

$328,181

Higher top officer pay than 25% of similar nonprofits.

Top officer pay equals 0.4% of source-year revenue.

2020 filings • $250M-$1B nonprofits • Source year 2020

Asset Growth

27th percentile

1.2%

Faster asset growth than 27% of similar nonprofits.

2020 filings • $250M-$1B nonprofits • Annualized from 2019 to 2020

Revenue Growth

21st percentile

-9.6%

Faster revenue growth than 21% of similar nonprofits.

2020 filings • $250M-$1B nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / Assets93rd percentile

Assets

Up

$526,627,444

Up $6,398,351 (+1.2%) from 2019

Net Assets

Up

$19,979,873

Up $360,525 (+1.8%) from 2019

Liabilities

Up

$506,647,571

Up $6,037,826 (+1.2%) from 2019

Revenue And Expenses
Liabilities / Revenue85th percentileNet Margin36th percentile

Revenue

Down

$85,861,013

Down $9,069,768 (-9.6%) from 2019

Expenses

Down

$85,097,534

Down $8,737,595 (-9.3%) from 2019

Net Income

Down

$763,479

Down $332,173 (-30%) from 2019

Historical Trend

Balance Sheet Trend

Asset Growth27th 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

2020

Assets$526,627,444
Liabilities$506,647,571
Net Assets$19,979,873
Open 2020 Filing

Operations Trend

Revenue Growth21st 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

2020

Revenue$85,861,013
Expenses$85,097,534
Net Income$763,479
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Jul 5, 2021
Return Version
2020v4.0
Gross Receipts
$169,572,462
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$485,902,609$492,879,919▲ $6,977,310
Savings and Temporary Cash Investments$23,398,402$23,078,957▼ $319,445
Pd in Cap Srpls Land Bldg Eqp Fund$18,371,877$18,730,016▲ $358,139
Investments Other Securities$1,989,991$2,203,575▲ $213,584
Rtn Earn Endowment Incm Other Fnds$1,247,471$1,249,857▲ $2,386
Land, Buildings, and Equipment, Net$1,251,711$1,200,553▼ $51,158
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$520,229,093$526,627,444▲ $6,398,351
Other Assets Total$7,686,380$7,264,440▼ $421,940
Liabilities
Other Liabilities$498,609,810$504,032,882▲ $5,423,072
Deferred Revenue$1,182,515$1,587,393▲ $404,878
Accounts Payable and Accrued Expenses$817,420$1,027,296▲ $209,876
Total Liabilities$500,609,745$506,647,571▲ $6,037,826
Net Assets / Fund Balance
Total Net Assets Fund Balance$19,619,348$19,979,873▲ $360,525
Total Liabilities and Net Assets / Fund Balance$520,229,093$526,627,444▲ $6,398,351

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,200,553$1,123,338$2,323,891
Compensation and Service Providers
Top Officer Pay25th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Anthony J MravleCEOFT$229,649$98,532$328,181
Stuart BuchananCorporate Sec'yFT$213,747$63,601$296,358
Paul KaiserSenior VP SalesFT$199,871$113,211$294,716
Anthony T MravleInvestment MgrFT$205,760$79,470$285,230
Brian SharpCIOFT$181,125$46,365$226,846
April SleykoVP of Sales and MarketingFT$103,668$53,747$157,415
Rudolph Krasovec JrChairmanPT$39,500-$39,500
Philip HrvatinVice ChairmanPT$29,500-$29,500
Anthony MenartDirector-$24,500-$24,500
Daniel MihelichDirector-$24,500-$24,500
Daniel GolobDirector-$20,500-$20,500
Julie SchnellerDirector-$20,500-$20,500
MaryLou StefanickDirector-$20,500-$20,500
Robert Lokar JrDirector-$19,875-$19,875

Highest Paid Contractors

ContractorServicesLocationCompensation
Optimum ReReInsurance1345 River Bend 100, Dallas, TX 75247$337,117
Griffith Ballard & CoActuary100 First Ave NE, Cedar Rapids, IA 52401$333,735
RSC Insurance BrokerageInsurance333 W Wacker Dr 1950, Chicago, IL 60606$250,734
AqueityComputer Software2805 Butterfield Rd, Oak Brook, IL 60523$178,827
BNZ SoftwareComputer SoftwarePO Box 594, Mercer, WI 54547$122,690
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$60,540,265
Investment Income
$24,651,889
Other Revenue
$668,859
Change in Net Assets
$763,479

Audited Revenue Reconciliation

Revenue per Audited Statements
$85,861,013
Total Revenue per Audited Statements
$85,861,013
Total Revenue per Form 990
$85,861,013
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$10,908,550
Salaries, Compensation, and Employee Benefits$4,197,613
Grants and Similar Amounts Paid$61,380
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members$69,929,991--$69,929,991
Other Salaries and Wages$1,810,697--$1,810,697
Current Officers, Directors, Trustees, and Key Employees$1,788,121--$1,788,121
Fees for Services Other$656,481--$656,481
Information Technology$613,802--$613,802
Occupancy$294,215--$294,215
Advertising$248,834--$248,834
Payroll Taxes$219,812--$219,812
Other Employee Benefits$217,340--$217,340
All Other Expenses$207,157--$207,157
Insurance$182,333--$182,333
Depreciation Depletion$164,510--$164,510
Pension Plan Contributions$161,643--$161,643
Other Expenses$135,097--$135,097
Fees for Service Investment Mgmnt Fees$98,941--$98,941
Fees for Services Legal$92,282--$92,282
Fees for Services Accounting$85,890--$85,890
Grants to Domestic Individuals$49,020--$49,020
Conferences and Meetings$46,735--$46,735
Grants to Domestic Orgs$12,360--$12,360
Travel$11,784--$11,784
Total Functional Expenses$85,097,534$0$0$85,097,534

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$85,097,534
Total Expenses per Audited Statements$85,097,534
Total Expenses per Form 990$85,097,534
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$478,822,548
Supplemental Contracts$14,092,952
Interest maintenance reserve$3,656,846
Asset valuation reserve$3,248,077
Contract Claims Payable Life$1,740,014
Refund Accumulations$761,014
Remittances Not Allocated$679,431
Post Retirement Health Care$495,407
ReFUNDS PAYABLE IN FOLLOWING YEAR$211,602
Aggregate Reserve- Health$161,221
Contract Claims Accident & Health$111,989
Premium Deposit Funds$50,612
Withheld as Agent$1,169
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
Anthony J Mravle
Title
CEO
Signed
2021-07-05
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 Increases

“Change in Asset Valuation Reserve = $718812”

Other Changes In Net Assets Or Fund Balances - Other Increases

“Change in Non admitted assets = $187689”

Other Changes In Net Assets Or Fund Balances - Other Increases

“Increase in Fraternal Investment Funds = $2387”

Other Changes In Net Assets Or Fund Balances - Other Decreases

“Rounding = -$4”

Raw XML AppendixShowing 400 of 650 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/PersonNm1Stuart Buchanan
IRS990/Form990PartVIISectionAGrp/PersonNm2Paul Kaiser
IRS990/Form990PartVIISectionAGrp/PersonNm3Anthony T Mravle
IRS990/Form990PartVIISectionAGrp/PersonNm4Brian Sharp
IRS990/Form990PartVIISectionAGrp/PersonNm5April Sleyko
IRS990/Form990PartVIISectionAGrp/PersonNm6Rudolph Krasovec Jr
IRS990/Form990PartVIISectionAGrp/PersonNm7Philip Hrvatin
IRS990/Form990PartVIISectionAGrp/PersonNm8Anthony Menart
IRS990/Form990PartVIISectionAGrp/PersonNm9Daniel Mihelich
IRS990/Form990PartVIISectionAGrp/PersonNm10Julie Schneller
IRS990/Form990PartVIISectionAGrp/PersonNm11MaryLou Stefanick
IRS990/Form990PartVIISectionAGrp/PersonNm12Daniel Golob
IRS990/Form990PartVIISectionAGrp/PersonNm13Robert Lokar Jr
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IRS990/Form990PartVIISectionAGrp/TitleTxt1Corporate Sec'y
IRS990/Form990PartVIISectionAGrp/TitleTxt2Senior VP Sales
IRS990/Form990PartVIISectionAGrp/TitleTxt3Investment Mgr
IRS990/Form990PartVIISectionAGrp/TitleTxt4CIO
IRS990/Form990PartVIISectionAGrp/TitleTxt5VP of Sales and Marketing
IRS990/Form990PartVIISectionAGrp/TitleTxt6Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt7Vice Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt8Director
IRS990/Form990PartVIISectionAGrp/TitleTxt9Director
IRS990/Form990PartVIISectionAGrp/TitleTxt10Director
IRS990/Form990PartVIISectionAGrp/TitleTxt11Director
IRS990/Form990PartVIISectionAGrp/TitleTxt12Director
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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/OtherExpensesGrp/ProgramServicesAmt1840024
IRS990/OtherExpensesGrp/ProgramServicesAmt2328958
IRS990/OtherExpensesGrp/ProgramServicesAmt3135097
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IRS990/OtherExpensesGrp/TotalAmt1840024
IRS990/OtherExpensesGrp/TotalAmt2328958
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Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2020 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$526,627,444
Liabilities
$506,647,571
Net assets
$19,979,873
Revenue
$85,861,013
Expenses
$85,097,534
Net income
$763,479
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
2020Detailed filing. Detailed filing data is available for this year.$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