Civic Intelligence

Community General Hospital Employee Benefit Trust

EIN 36-3337699 • 501(c)9 • Sterling, IL

Profile

To provide medical benefits for eligible employees of CGH Medical Center and their eligible dependents.

100 East LeFevre RoadSterling, IL 61081

n/A

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

27th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)9 • $10M-$25M nonprofits • Source year 2024

Liabilities / Revenue

31st percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)9 • $10M-$25M nonprofits • Source year 2024

Net Margin

36th percentile

0.1%

Higher net margin than 36% of similar nonprofits.

501(c)9 • $10M-$25M nonprofits • Source year 2024

Top Officer Pay

98th percentile

$946,093

Higher top officer pay than 98% of similar nonprofits.

Top officer pay equals 3.9% of source-year revenue.

501(c)9 • $10M-$25M nonprofits • Source year 2024

Asset Growth

96th percentile

56%

Faster asset growth than 96% of similar nonprofits.

501(c)9 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Revenue Growth

14th percentile

-10%

Faster revenue growth than 14% of similar nonprofits.

501(c)9 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Assets

Up

$72,125

Up $25,789 (+56%) from 2023

Liabilities

Flat

$0

Flat from 2023

Net Assets

Up

$72,125

Up $25,789 (+56%) from 2023

Revenue

Down

$24,420,930

Down $2,731,092 (-10%) from 2023

Expenses

Down

$24,395,141

Down $2,789,252 (-10%) from 2023

Net Income

Up

$25,789

Up $58,160 (+180%) from 2023

Trend Graphs

Balance Sheet Trend

Grouped bars show assets, liabilities, and net assets across loaded filings.

$150K$100K$50K$0Assets 2010: $27,799Liabilities 2010: $0Net Assets 2010: $27,7992010Assets 2011: $35,345Liabilities 2011: $0Net Assets 2011: $35,3452011Assets 2012: $81,302Liabilities 2012: $0Net Assets 2012: $81,3022012Assets 2013: $8,324Liabilities 2013: $0Net Assets 2013: $8,3242013Assets 2014: $108,599Liabilities 2014: $0Net Assets 2014: $108,5992014Assets 2020: $144,179Liabilities 2020: $0Net Assets 2020: $144,1792020Assets 2021: $99,515Liabilities 2021: $0Net Assets 2021: $99,5152021Assets 2022: $78,707Liabilities 2022: $0Net Assets 2022: $78,7072022Assets 2023: $46,336Liabilities 2023: $0Net Assets 2023: $46,3362023Assets 2024: $72,125Liabilities 2024: $0Net Assets 2024: $72,1252024

Highlighted filing

2024

Assets$72,125
Liabilities$0
Net Assets$72,125

Operations Trend

Revenue, expenses, and net income by year, with the latest filing highlighted.

$30M$20M$10M$0-$10MExpenses 2010: $13,864,4852010Expenses 2011: $20,298,4062011Expenses 2012: $22,096,6462012Revenue 2013: $22,354,122Expenses 2013: $22,427,100Net Income 2013: -$72,9782013Revenue 2014: $21,224,111Expenses 2014: $21,123,836Net Income 2014: $100,2752014Revenue 2020: $21,094,537Expenses 2020: $20,966,451Net Income 2020: $128,0862020Revenue 2021: $21,314,742Expenses 2021: $21,359,406Net Income 2021: -$44,6642021Revenue 2022: $23,869,787Expenses 2022: $23,890,595Net Income 2022: -$20,8082022Revenue 2023: $27,152,022Expenses 2023: $27,184,393Net Income 2023: -$32,3712023Revenue 2024: $24,420,930Expenses 2024: $24,395,141Net Income 2024: $25,7892024

Highlighted filing

2024

Revenue$24,420,930
Expenses$24,395,141
Net Income$25,789

Filings

Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Oct 29, 2025
Return Version
2024v5.2
Gross Receipts
$24,420,930
Mission and Program Overview

Mission

To provide medical expense benefits for eligible employees of cgh medical center and their elgible dependents.

The plan was established to provide medical benefits for eligible employees of cgh medical center

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$46,336$72,125▲ $25,789
Total Assets$46,336$72,125▲ $25,789
Liabilities
Total Liabilities$0$0→ $0
Net Assets / Fund Balance
Net Assets With Donor Restrictions$46,336$72,125▲ $25,789
Total Net Assets Fund Balance$46,336$72,125▲ $25,789
Total Liabilities and Net Assets / Fund Balance$46,336$72,125▲ $25,789
Compensation and Service Providers

Employees

NameTitleOtherTotal
Mary Jean DerreberryDirector$12,097$12,097

Board Members and Trustees

NameTitle
Marcia JonesChair
Scott WolberVicechair
Andy MooreDirector
Beth McfallsDirector
Heather SoteloDirector
John VanosdolDirector
Nancy RasmussenDirector
Nancy TranDirector
Shawn HanlonDirector
Thomas KingDirector
Paul G SteinkeAdministrator
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$24,413,549
Investment Income
$7,381
Other Revenue
$0
Change in Net Assets
$25,789
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$19,441
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members$24,375,700--$24,375,700
Other Expenses$6,561--$6,561
Total Functional Expenses$24,395,141$0$0$24,395,141
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

Interested-Person Transactions

Interested PartyRelationshipDescriptionShared RevenueAmount
Cgh Medical CenterSee PartV BelowSee PartV BelowNo$21,404,015
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Part VI Line 10B

The accounting department is responsible for preparing and reviewing the

Part VI Line 10B

return. These duties are segregated among appropriate staff.

Part VI Line 11B

The accounting department is responsible for preparing and reviewing the

Part VI Line 11B

return. These duties are segregated among appropriate staff.

Part VI Line 19

These documents are available upon written request.

Form 990, Part VI, Section A, Line 2

P Steinke,S Hanlon,T King,MJ Derreberry, M Jones & N Tran

Form 990, Part VI, Section A, Line 2

are either directors or officers of the filing organization and the parent.

Form 990, Part VI, Section A, Line 2

All members of the Board of Directors for CGH Employee Benefit Trust are

Form 990, Part VI, Section A, Line 2

also members of the Board for CGH Medical Center.

Form 990, Part VI, Section A, Line 8A & 8B

The Board of the Benefit Trust does not maintain independent minutes of the

Form 990, Part VI, Section A, Line 8A & 8B

governing body's meetings or of related committees. Items of interest

Form 990, Part VI, Section A, Line 8A & 8B

related to the Benefit Trust are presented to the Board of the parent, CGH

Form 990, Part VI, Section A, Line 8A & 8B

Medical Center, and are included in the minutes of its Board of Directors.

Filing and Contact Details

Filer

Filer Name
Community General Hospital Employee Benefit Trust
EIN
36-3337699
In Care Of
% Paul Steinke
Phone
8156250400
Address
100 East LeFevre Road, Sterling, IL 61081
Doing Business As
CGH Employee Benefit Trust

Signing Officer

Name
Paul Steinke
Title
Do
Phone
8156250400
Signed
2025-10-29
Discuss with paid preparer
No

Organization Details

Principal Officer
Paul G Steinke DO
Formed
1984
Legal Domicile
Il
Voting Board Members
11
Independent Board Members
6
Employees
0

Preparer

Preparer
Megan Shank
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm4PAUL G STEINKE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0Director
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1DIRECTOR
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt2CHAIR
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt3DIRECTOR
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt4ADMINISTRATOR
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt0486165
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt1946093
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt2593837
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt3783745
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt4698895
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0The Benefit Trust relied
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt1upon a related
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt2organization that used
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt3one or more methods
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt4described to estabilish
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt5top management official's
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt6compensation.
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0Part I, Line 3
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc1Part I, Line 3
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc2Part I, Line 3
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc3Part I, Line 3
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc4Part I, Line 3
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc5Part I, Line 3
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc6Part I, Line 3
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/NameOfInterested/PersonNm0CGH MEDICAL CENTER
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/RelationshipDescriptionTxt0See PartV Below
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd0false
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionAmt021404015
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionDesc0See PartV Below
IRS990ScheduleL/SupplementalInformationDetail/ExplanationTxt0Business transactions
IRS990ScheduleL/SupplementalInformationDetail/ExplanationTxt1involving interested
IRS990ScheduleL/SupplementalInformationDetail/ExplanationTxt2persons: Common Directors
IRS990ScheduleL/SupplementalInformationDetail/ExplanationTxt3/Officers, some are also
IRS990ScheduleL/SupplementalInformationDetail/ExplanationTxt4employees of interested
IRS990ScheduleL/SupplementalInformationDetail/ExplanationTxt5party.
IRS990ScheduleL/SupplementalInformationDetail/ExplanationTxt6Medical payments
IRS990ScheduleL/SupplementalInformationDetail/ExplanationTxt7contributed on behalf of
IRS990ScheduleL/SupplementalInformationDetail/ExplanationTxt8the employees of CGH
IRS990ScheduleL/SupplementalInformationDetail/ExplanationTxt9Medical Center, some of
IRS990ScheduleL/SupplementalInformationDetail/ExplanationTxt10whom are directors/
IRS990ScheduleL/SupplementalInformationDetail/ExplanationTxt11officers of filing entity
IRS990ScheduleL/SupplementalInformationDetail/FormAndLineReferenceDesc0Sch L, Part IV, Line 1:
IRS990ScheduleL/SupplementalInformationDetail/FormAndLineReferenceDesc1Sch L, Part IV, Line 1:
IRS990ScheduleL/SupplementalInformationDetail/FormAndLineReferenceDesc2(B) Relationship between
IRS990ScheduleL/SupplementalInformationDetail/FormAndLineReferenceDesc3(B) Relationship between
IRS990ScheduleL/SupplementalInformationDetail/FormAndLineReferenceDesc4(B) Relationship between
IRS990ScheduleL/SupplementalInformationDetail/FormAndLineReferenceDesc5(B) Relationship between
IRS990ScheduleL/SupplementalInformationDetail/FormAndLineReferenceDesc6(D) Description of Transa
IRS990ScheduleL/SupplementalInformationDetail/FormAndLineReferenceDesc7(D) Description of Transa
IRS990ScheduleL/SupplementalInformationDetail/FormAndLineReferenceDesc8(D) Description of Transa
IRS990ScheduleL/SupplementalInformationDetail/FormAndLineReferenceDesc9(D) Description of Transa
IRS990ScheduleL/SupplementalInformationDetail/FormAndLineReferenceDesc10(D) Description of Transa
IRS990ScheduleL/SupplementalInformationDetail/FormAndLineReferenceDesc11(D) Description of Transa
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The accounting department is responsible for preparing and reviewing the
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1return. These duties are segregated among appropriate staff.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The accounting department is responsible for preparing and reviewing the
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3return. These duties are segregated among appropriate staff.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4These documents are available upon written request.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5P Steinke,S Hanlon,T King,MJ Derreberry, M Jones & N Tran
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6are either directors or officers of the filing organization and the parent.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7All members of the Board of Directors for CGH Employee Benefit Trust are
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8also members of the Board for CGH Medical Center.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9The Board of the Benefit Trust does not maintain independent minutes of the
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10governing body's meetings or of related committees. Items of interest
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11related to the Benefit Trust are presented to the Board of the parent, CGH
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt12Medical Center, and are included in the minutes of its Board of Directors.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Part VI Line 10b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Part VI Line 10b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Part VI Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Part VI Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Part VI Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section A, Line 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Section A, Line 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part VI, Section A, Line 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Form 990, Part VI, Section A, Line 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9Form 990, Part VI, Section A, Line 8A & 8B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10Form 990, Part VI, Section A, Line 8A & 8B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc11Form 990, Part VI, Section A, Line 8A & 8B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc12Form 990, Part VI, Section A, Line 8A & 8B
IRS990ScheduleR/AssetExchangeInd0false
IRS990ScheduleR/AssetPurchaseFromOtherOrgInd0false
IRS990ScheduleR/AssetSaleToOtherOrgInd0false
IRS990ScheduleR/DivRelatedOrganizationInd0false
IRS990ScheduleR/GiftGrntCapContriFromOthOrgInd0false
IRS990ScheduleR/GiftGrntOrCapContriToOthOrgInd0false
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ControlledOrganizationInd0false
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ControlledOrganizationInd1false
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ControlledOrganizationInd2false
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DirectControllingEntityName/BusinessNameLine1Txt0NA
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DirectControllingEntityName/BusinessNameLine1Txt1CGH Medical Center
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DirectControllingEntityName/BusinessNameLine1Txt2CGH Medical Center
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt0CGH Medical Center
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt1Rock River Health Inc
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt2CGH Health Foundation
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/EIN0363479824
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/EIN1363620761
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/EIN2363576034
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ExemptCodeSectionTxt0Govt Unit Sec 1
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ExemptCodeSectionTxt1NFP 501c3
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ExemptCodeSectionTxt2NFP 501c3
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/LegalDomicileStateCd0IL
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/LegalDomicileStateCd1IL
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/LegalDomicileStateCd2IL
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PrimaryActivitiesTxt0Hospital
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PrimaryActivitiesTxt1Healthcare Clinics
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PrimaryActivitiesTxt2Provide medical health education/support
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PublicCharityStatusTxt0NA
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PublicCharityStatusTxt13
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PublicCharityStatusTxt23
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/AddressLine1Txt0100 East LeFevre Road
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/AddressLine1Txt1100 E LeFevre Road
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/AddressLine1Txt2100 E LeFevre Road
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/CityNm0Sterling
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/CityNm1Sterling
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/CityNm2Sterling
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/StateAbbreviationCd0IL
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/StateAbbreviationCd1IL
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/StateAbbreviationCd2IL
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/ZIPCd061081
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/ZIPCd161081
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/ZIPCd261081
IRS990ScheduleR/LoansOrGuaranteesFromOthOrgInd0false
IRS990ScheduleR/LoansOrGuaranteesToOtherOrgInd0false
IRS990ScheduleR/PaidEmployeesSharingInd0false
IRS990ScheduleR/PerformOfServicesByOtherOrgInd0false
IRS990ScheduleR/PerformOfServicesForOthOrgInd0false
IRS990ScheduleR/ReceiptOfIntAnntsRntsRyltsInd0false
IRS990ScheduleR/ReimbursementPaidByOtherOrgInd0false
IRS990ScheduleR/ReimbursementPaidToOtherOrgInd0true
IRS990ScheduleR/RentalOfFacilitiesToOthOrgInd0false
IRS990ScheduleR/RentalOfFcltsFromOthOrgInd0false

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