Civic Intelligence

Midwest Employee Benefit Funds

EIN 36-4015854 • 501(c)6 • Countryside, IL

Profile

The mebfc is committed to enhancing the lives of our members and their families by negotiating affordable health care solutions.

6170 Joliet Road 2Countryside, IL 60525

www.mebfc.com

Siviq Scores

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

Liabilities / Assets

51st percentile

0.05x

Higher debt load relative to assets than 51% of similar nonprofits.

501(c)6 • $500k-$1M nonprofits • Source year 2024

Liabilities / Revenue

54th percentile

0.06x

Higher debt load relative to revenue than 54% of similar nonprofits.

501(c)6 • $500k-$1M nonprofits • Source year 2024

Net Margin

85th percentile

22%

Higher net margin than 85% of similar nonprofits.

501(c)6 • $500k-$1M nonprofits • Source year 2024

Top Officer Pay

82nd percentile

$131,271

Higher top officer pay than 82% of similar nonprofits.

Top officer pay equals 25.1% of source-year revenue.

501(c)6 • $500k-$1M nonprofits • Source year 2024

Asset Growth

85th percentile

26%

Faster asset growth than 85% of similar nonprofits.

501(c)6 • $500k-$1M nonprofits • Annualized from 2023 to 2024

Revenue Growth

51st percentile

5.4%

Faster revenue growth than 51% of similar nonprofits.

501(c)6 • $500k-$1M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets51st percentile

Assets

Up

$638,641

Up $133,463 (+26%) from 2023

Liabilities

Up

$30,751

Up $15,944 (+108%) from 2023

Net Assets

Up

$607,890

Up $117,519 (+24%) from 2023

Operations
Liabilities / Revenue54th percentileNet Margin85th percentile

Revenue

Up

$523,666

Up $26,985 (+5.4%) from 2023

Expenses

Down

$406,147

Down $297,123 (-42%) from 2023

Net Income

Up

$117,519

Up $324,108 (+157%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth85th percentile

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

$800K$600K$400K$200K$0Assets 2010: $147,124Liabilities 2010: $0Net Assets 2010: $147,1242010Assets 2011: $190,937Liabilities 2011: $0Net Assets 2011: $190,9372011Assets 2012: $141,540Liabilities 2012: $0Net Assets 2012: $141,5402012Assets 2013: $157,221Liabilities 2013: $0Net Assets 2013: $157,2212013Assets 2014: $214,558Liabilities 2014: $0Net Assets 2014: $214,5582014Assets 2015: $190,081Liabilities 2015: $1,890Net Assets 2015: $188,1912015Assets 2016: $111,162Liabilities 2016: $2,184Net Assets 2016: $108,9782016Assets 2017: $145,720Liabilities 2017: $1,681Net Assets 2017: $144,0392017Assets 2018: $156,810Liabilities 2018: $1,707Net Assets 2018: $155,1032018Assets 2019: $284,987Liabilities 2019: $0Net Assets 2019: $284,9872019Assets 2020: $379,228Liabilities 2020: $1,520Net Assets 2020: $377,7082020Assets 2021: $593,471Liabilities 2021: $8,746Net Assets 2021: $584,7252021Assets 2022: $758,226Liabilities 2022: $61,266Net Assets 2022: $696,9602022Assets 2023: $505,178Liabilities 2023: $14,807Net Assets 2023: $490,3712023Assets 2024: $638,641Liabilities 2024: $30,751Net Assets 2024: $607,8902024

Highlighted filing

2024

Assets$638,641
Liabilities$30,751
Net Assets$607,890
Open 2024 Filing

Operations Trend

Revenue Growth51st percentile

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

$1.0M$500K$0-$500KExpenses 2010: $239,9872010Expenses 2011: $214,5082011Expenses 2012: $222,2142012Revenue 2013: $274,539Expenses 2013: $258,858Net Income 2013: $15,6812013Revenue 2014: $344,189Expenses 2014: $286,852Net Income 2014: $57,3372014Revenue 2015: $342,584Expenses 2015: $353,951Net Income 2015: -$11,3672015Revenue 2016: $352,167Expenses 2016: $431,380Net Income 2016: -$79,2132016Revenue 2017: $393,508Expenses 2017: $358,447Net Income 2017: $35,0612017Revenue 2018: $314,982Expenses 2018: $303,918Net Income 2018: $11,0642018Revenue 2019: $392,103Expenses 2019: $262,219Net Income 2019: $129,8842019Revenue 2020: $320,671Expenses 2020: $227,950Net Income 2020: $92,7212020Revenue 2021: $444,723Expenses 2021: $237,706Net Income 2021: $207,0172021Revenue 2022: $516,018Expenses 2022: $403,783Net Income 2022: $112,2352022Revenue 2023: $496,681Expenses 2023: $703,270Net Income 2023: -$206,5892023Revenue 2024: $523,666Expenses 2024: $406,147Net Income 2024: $117,5192024

Highlighted filing

2024

Revenue$523,666
Expenses$406,147
Net Income$117,519
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$638,641
Liabilities
$30,751
Net assets
$607,890
Revenue
$523,666
Expenses
$406,147
Net income
$117,519
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.39$0.31$6.08$5.24$4.06$1.18
2023Detailed filing. Detailed filing data is available for this year.$5.05$0.15$4.90$4.97$7.03$2.07
2022Detailed filing. Detailed filing data is available for this year.$7.58$0.61$6.97$5.16$4.04$1.12
2021Detailed filing. Detailed filing data is available for this year.$5.93$0.09$5.85$4.45$2.38$2.07
2020Detailed filing. Detailed filing data is available for this year.$3.79$0.02$3.78$3.21$2.28$0.93
2019Detailed filing. Detailed filing data is available for this year.$2.85$0.00$2.85$3.92$2.62$1.30
2018Detailed filing. Detailed filing data is available for this year.$1.57$0.02$1.55$3.15$3.04$0.11
2017Detailed filing. Detailed filing data is available for this year.$1.46$0.02$1.44$3.94$3.58$0.35
2016Detailed filing. Detailed filing data is available for this year.$1.11$0.02$1.09$3.52$4.31$0.79
2015Detailed filing. Detailed filing data is available for this year.$1.90$0.02$1.88$3.43$3.54$0.11
2014Detailed filing. Detailed filing data is available for this year.$2.15$0.00$2.15$3.44$2.87$0.57
2013Detailed filing. Detailed filing data is available for this year.$1.57$0.00$1.57$2.75$2.59$0.16
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.42$0.00$1.42$2.22
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.91$0.00$1.91$2.15
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.47$0.00$1.47$2.40
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 5, 2025
Return Version
2024v5.2
Gross Receipts
$523,666
Mission and Program Overview

Mission

To provide a forum for taft-hartley funds, regardless of size or geographic location, to enhance their ability to secure quality healthcare at a discount, and still maintain their individual autonomy. Coalition also shares information, monitors the quality of care and encourage labor management cooperation.

The mebfc is committed to enhancing the lives of our members and their families by negotiating affordable health care solutions.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$499,084$630,251▲ $131,167
Land, Buildings, and Equipment, Net$3,048$8,390▲ $5,342
Cash and Non-Interest-Bearing Accounts$3,046$0▼ $3,046
Total Assets$505,178$638,641▲ $133,463
Liabilities
Other Liabilities$13,693$27,182▲ $13,489
Accounts Payable and Accrued Expenses$1,114$3,569▲ $2,455
Total Liabilities$14,807$30,751▲ $15,944
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$490,371$607,890▲ $117,519
Total Net Assets Fund Balance$490,371$607,890▲ $117,519
Total Liabilities and Net Assets / Fund Balance$505,178$638,641▲ $133,463

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$8,390$20,259$28,649
Compensation and Service Providers
Top Officer Pay82nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Terry RoccoExecutive DirectorFT$123,541$7,730$131,271

Board Members and Trustees

NameTitle
Breanna RadtkeDirector, Chair, Former Treasurer
Joe OhmDirector, Secretary, Former Vice Chair
Tim MorrinDirector, Vice Chair, Former Chair
Aaron AndersonAlternate Director
Anne PenneyAlternate Director
Anthony LoriAlternate Director
Barb MoellerAlternate Director
Brian DoxieAlternate Director
Connie MeadowsAlternate Director
Dale LewisAlternate Director
Hayley DorfmanAlternate Director
James FeinbergAlternate Director
Jose ColinAlternate Director
Katie ColbertAlternate Director
Kelly LavkoAlternate Director
Ken DayAlternate Director
Kristina GuastaferriAlternate Director
Laura CballeroAlternate Director
Matt BanksAlternate Director
Prasad ElamanaAlternate Director
Robin DarbyAlternate Director
Ryan LaceyAlternate Director
Sebastien CherneyAlternate Director
Tabbatha WeydemanAlternate Director
Tanya PalmerAlternate Director
Tracy TreadwellAlternate Director
Zach FrankenbachAlternate Director
Angela McmillinAlternate Director & Treasurer
Jim GalleryAlternate Director and Former Director
Pat SaenzAlternate Director and Former Director
Aimee CisnerosDirector
Ann WydraDirector
Becky SchwabDirector
Bob LainoDirector
Carrie GathDirector
Carrie SonnefeldtDirector
Catherine WenskusDirector
Christy BrakeDirector
Dan AussemDirector
Deborah FrenchDirector
Diana MarburgerDirector
Elnalyn CostaDirector
Heather Laughland-ethertonDirector
Holly BryantDirector
Jake NurzykDirector
Jenny EarthDirector
John KallianisDirector
Kathy JaegersDirector
Katie EbyDirector
Lisa FrascoDirector
Lynette Tipton-allenDirector
Maria PizzaroDirector
Mary McmullinDirector
Michael WainscottDirector
Nichole LinhardtDirector
Paul StriplingDirector
Paul ZornDirector
Sara Haffner-wolfDirector
Shelli McpeekDirector
Sherri DunneDirector
Sherryl ReevesDirector
Staci ColemanDirector
Susan SelimosDirector
Terry MustoDirector
Tom BernsteinDirector
Tom StiedeDirector
Jill HegartyDirector & Former Alternate Director
Melody NeylandDirector & Former Alternate Director
Patrick LudvigsenDirector & Former Secretary
John SchalkDirector and Former Alternate Director
Brian BensonFormer Alternate Director
Carl FarrellFormer Alternate Director
David BratekFormer Alternate Director
Gina BengeFormer Alternate Director
Graciela DelgadoFormer Alternate Director
Therisa GonzalezFormer Alternate Director
Gerry SlowiakFormer Director
Karen Van NusFormer Director
Kevin AutenriebFormer Director
Kim PleshaFormer Director
Margie BergerFormer Director
Milan DiklichFormer Director
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$501,591
Investment Income
$20,648
Other Revenue
$1,427
Change in Net Assets
$117,519

Audited Revenue Reconciliation

Revenue per Audited Statements
$523,666
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$523,666
Total Revenue per Form 990
$523,666
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$226,047
Other Expenses$180,100
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees---$123,541
Fees for Services Other---$107,500
Other Salaries and Wages---$66,170
Conferences and Meetings---$23,460
Other Employee Benefits---$20,193
Payroll Taxes---$16,143
Office Expenses---$10,864
Occupancy---$9,968
Fees for Services Legal---$8,710
Information Technology---$6,184
Fees for Services Accounting---$4,125
Insurance---$4,017
Depreciation Depletion---$2,832
Other Expenses---$2,111
Travel---$329
Total Functional Expenses$0$0$0$406,147

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$406,147
Total Expenses per Audited Statements$406,147
Total Expenses per Form 990$406,147
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
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
In-house lobbying only
No
Subject to proxy tax
Yes
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Other Liabilities$13,693
Cash Overdraft$13,489
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
No
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, Section A, Line 2

“Paul zorn, director and john schalk, director, are both partners at tfbc, llc.”

Form 990, Part VI, Section A, Line 2

“Lisa frasco, director, and jim gallery, alternate director, are both employed by benefit management group, inc.”

Form 990, Part VI, Section A, Line 2

“Sherri dunne, director, and sebastien cherney, alternate director, are both employed by wilson mcshane.”

Form 990, Part VI, Section A, Line 6

“Each fund has the option of naming a primary as well as an alternate director. Not all funds name an alternate. The members are multiemployer fund with participants located ia, il, in, mo and wi.”

Form 990, Part VI, Section A, Line 7A

“Officers of the organization are elected by the directors of the board.”

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

“There is no committee with authority to act on behalf of the board of directors.”

Form 990, Part VI, Section B, Line 11B

“A copy of the form 990, prepared by an outside accounting firm, is reviewed by the executive director and treasurer prior to filing with the irs. The board of directors are provided with a final copy of the form 990 that is filed with the irs.”

Form 990, Part VI, Section B, Line 12C

“Board of directors are to inform executive director of any conflicts of interest as it arises.”

Form 990, Part VI, Section B, Line 15A

“The board of directors determine and approve the salary for the executive director.”

Form 990, Part VI, Section C, Line 19

“Members of the midwest employee benefit funds coalition may request governing and other policy documents upon request.”

Form 990, Part VII Contact Addresses for Officers, Directors, Etc

“Tim morrin - 11900 s. Laramie, alsip, il 60803. Milan diklich - 660 n. Industrial drive, suite 100, elmhurst, il 60126. Aaron anderson - 1905 sequoia drive, suite 203, aurora, il 60506. Ann wydra - 660 n. Industrial drive, suite 102, elmhurst, il 60126. Catherine wenskus - 11465 w. Cermak rd., westchester, il 60154-5768. Joe ohm - 1340 w. Washington blvd., 3rd floor, chicago, il 60607. Kathy jaegers - 825 maryville centre drive, suite 200, chesterfield, mo 63017. Lisa frasco - 1520 kensington ave, suite 200, oak brook, il 60523. Nichole linhardt - 45 north ogden avenue, chicago, il 60607. Paul zorn - 700 commerce drive, suite 500, oak brook, il 60523. Sherryl reeves - 18660 graphic drive, suite 202, tinley park, il 60477. Susan selimos - 1171 commerce drive, west chicago, il 60185. Terry musto - 28600 bella vista parkway,suite 1110, warrenville, il 60555. Terry rocco - 6170 joliet road #2, countryside, il 60525. Tom bernstein - 6150 joliet road, countryside, il 60525. Diana marburger - 2357 59th street, st.louis, mo 63110. Elnalyn costa - 2229 s. Halsted street, suite 122, chicago, il 60708. Gerry slowiak - 1905 sequoia drive, suite 203, aurora, il 60506. Holly bryant - 4208 w. Partridge way, unit 3, peoria, il 61615. Jenny earth - 361 s. Frontage road, suite 100, burr ridge, il 60527. Jose colin - 1171 commerce drive, west chicago, il 60185. Kelly lavko - 11900 s. Laramie, alsip, il 60803. Kristina guastaferri - 12 east erie street, chicago, il 60611. Mary mcmullin - 18520 spring creek drive, tinley park, il 60477. Tabbatha weydeman - 18660 graphic drive, suite 202, tinley park, il 60477. Shelli mcpeek - 1322 east state street, suite 300, rockford, il 61104. Carrie gath - 2260 s. Grove, chicago, il 60616. Melody neyland - 660 n. Industrial drive, suite 100, elmhurst, il 60126. Jill hegarty - 185 shuman blvd suite 305, naperville, il 60563. Robin darby - 1322 east state street, suite 300, rockford, il 61104. Deborah french - 2371 bowes road, suite 500, elgin, il 60123. Brian benson - 28600 bella vista parkway,suite 1110, warrenville, il 60555. Katie colbert - 45 north ogden avenue, chicago, il 60607. John schalk - 700 commerce drive, suite 500, oak brook, il 60523. Pat saenz - 1000 burr ridge parkway, suite 301, burr ridge, il 60527. Patrick ludvigsen - 4530 roosevelt road, hillside, il 60162. Jim gallery - 4525 boeing dr., rockford, il 61109-2934. Jake nurzyk - 185 shuman blvd suite 305, naperville, il 60563. Breanna radtke - 12 east erie street, chicago, il 60611. Tracy treadwell - 747 n. Church rd. Bldg. D1, elmhurst, il 60126. Paul stripling - 747 n. Church rd. Bldg. D1, elmhurst, il 60126. Graciela delgado - 1340 w. Washington blvd., 3rd floor, chicago, il 60607. David bratek - 1431 opus place, downers grove, il 60515. Kim plesha - 1431 opus place, downers grove, il 60515. Maria pizzaro - 111 east wacker drive, 17th floor, chicago, il 60601. Carrie sonnefeldt - 7700 industrial drive, forest park, il 60130. Katie eby - 205 alexandra way, carol stream, il 60188. Dan aussem - 1120 first street, lasalle, il 61301. Carl farrell - 42 w. Madison, 3rd floor, chicago, il 60602. Kevin autenrieb - 42 w. Madison, 3rd floor, chicago, il 60602. Brian doxie - 205 alexandra way, carol stream, il 60188. Barb moeller - 36990 n. Green bay rd, waukegan, il 60087. Sara haffner-wolf - 36990 n. Green bay rd, waukegan, il 60087. John kallianis - 660 industrial drive, elmhurst, il 60126. Anne penney - 361 s. Frontage road, suite 100, burr ridge, il 60527. Anthony lori - 245 fencl lane, hillside, il 60162. Lynette tipton-allen - 245 fencl lane, hillside, il 60162. Margie berger - 656 w eandolph st ste 2w, chicago, il 60661-2121. Ryan lacey - 11465 w. Cermak rd., westchester, il 60154-5768. Tanya palmer - 2371 bowes road, suite 500, elgin, il 60123. Staci coleman - 953 american ln fl 100, schaumburg, il 60173-5193. Hayley dorfman - 953 american ln fl 100, schaumburg, il 60173-5193. James feinberg - 4530 roosevelt road, hillside, il 60162. Therisa g”

Filing and Contact Details

Filer

Filer Name
Midwest Employee Benefit Funds
EIN
36-4015854
Phone
7086399004
Address
6170 JOLIET ROAD 2, COUNTRYSIDE, IL 60525

Signing Officer

Name
Jennifer Gamberale
Title
Executive Director
Phone
7086399004
Signed
2025-11-05
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Jennifer Gamberale
Formed
1995
Legal Domicile
Il
Voting Board Members
48
Independent Board Members
48
Employees
2
Volunteers
0

Preparer

Firm
Macnell Accounting & Consulting
Address
1153 SOUTH LEE ST UNIT 137, DES PLAINES, IL 60016
Preparer
Martin G Boyle
Phone
8476753100
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

“CONSULTANT 107,500.”

Financial Statement Notes

PART X, LINE 2:

“Accounting principles generally accepted in the united states of america require organizations management to evaluate tax positions taken by the organization to recognize a tax liability (or asset) if the entity has taken an uncertain tax position that more likely than not would not be sustained upon examination by the internal revenue service. Management has analyzed the tax positions taken by the organization, and has concluded that as of december 31, 2024, there are no uncertain tax positions taken or expected to be taken that would require recognition of a liability (or asset) or disclosure in the financial statements. The organization is subject to routine audits by taxing jurisdictions; however, there are currently no audits for any tax periods in progress.”

Raw XML AppendixShowing 400 of 896 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/ActivityOrMissionDesc0THE MEBFC IS COMMITTED TO ENHANCING THE LIVES OF OUR MEMBERS AND THEIR FAMILIES BY NEGOTIATING AFFORDABLE HEALTH CARE SOLUTIONS.
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