Civic Intelligence

Rbc USA Health & Welfare Benefit Pl Intrvs Tr

EIN 37-6395038 • 501(c)9 • Jersey City, NJ

Profile

Provide certain employees of employer companies medical and dental benefits.

30 Hudson Street 29th Floor - TaxJersey City, NJ 07302

n/A

Siviq Scores

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

Liabilities / Assets

51st percentile

0.03x

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

501(c)9 • $100M-$250M nonprofits • Source year 2024

Liabilities / Revenue

26th percentile

0.00x

Higher debt load relative to revenue than 26% of similar nonprofits.

501(c)9 • $100M-$250M nonprofits • Source year 2024

Net Margin

43rd percentile

2.1%

Higher net margin than 43% of similar nonprofits.

501(c)9 • $100M-$250M nonprofits • Source year 2024

Top Officer Pay

34th percentile

$0

Higher top officer pay than 34% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

501(c)9 • $100M-$250M nonprofits • Source year 2024

Asset Growth

92nd percentile

24%

Faster asset growth than 92% of similar nonprofits.

501(c)9 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Revenue Growth

37th percentile

3.4%

Faster revenue growth than 37% of similar nonprofits.

501(c)9 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets51st percentile

Assets

Up

$20,967,275

Up $4,096,313 (+24%) from 2023

Liabilities

Up

$557,814

Up $18,265 (+3.4%) from 2023

Net Assets

Up

$20,409,461

Up $4,078,048 (+25%) from 2023

Operations
Liabilities / Revenue26th percentileNet Margin43rd percentile

Revenue

Up

$196,372,711

Up $6,425,305 (+3.4%) from 2023

Expenses

Up

$192,294,663

Up $8,764,010 (+4.8%) from 2023

Net Income

Down

$4,078,048

Down $2,338,705 (-36%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth92nd percentile

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

$30M$20M$10M$0Assets 2010: $0Liabilities 2010: $0Net Assets 2010: $02010Assets 2011: $14,179,887Liabilities 2011: $61,484Net Assets 2011: $14,118,4032011Assets 2012: $11,135,702Liabilities 2012: $30,127Net Assets 2012: $11,105,5752012Assets 2013: $9,671,443Liabilities 2013: $68,939Net Assets 2013: $9,602,5042013Assets 2014: $11,243,169Liabilities 2014: $151,758Net Assets 2014: $11,091,4112014Assets 2016: $11,906,705Liabilities 2016: $151,331Net Assets 2016: $11,755,3742016Assets 2017: $11,930,289Liabilities 2017: $398,586Net Assets 2017: $11,531,7032017Assets 2018: $11,022,143Liabilities 2018: $415,821Net Assets 2018: $10,606,3222018Assets 2019: $12,255,932Liabilities 2019: $460,011Net Assets 2019: $11,795,9212019Assets 2020: $14,581,925Liabilities 2020: $75,058Net Assets 2020: $14,506,8672020Assets 2021: $11,254,839Liabilities 2021: $459,190Net Assets 2021: $10,795,6492021Assets 2022: $10,408,832Liabilities 2022: $494,172Net Assets 2022: $9,914,6602022Assets 2023: $16,870,962Liabilities 2023: $539,549Net Assets 2023: $16,331,4132023Assets 2024: $20,967,275Liabilities 2024: $557,814Net Assets 2024: $20,409,4612024

Highlighted filing

2024

Assets$20,967,275
Liabilities$557,814
Net Assets$20,409,461
Open 2024 Filing

Operations Trend

Revenue Growth37th percentile

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

$200M$100M$0-$100MRevenue 2010: $0Expenses 2010: $0Net Income 2010: $02010Revenue 2011: $142,433,699Expenses 2011: $142,899,840Net Income 2011: -$466,1412011Revenue 2012: $105,367,429Expenses 2012: $108,380,257Net Income 2012: -$3,012,8282012Revenue 2013: $97,438,728Expenses 2013: $98,941,799Net Income 2013: -$1,503,0712013Revenue 2014: $116,507,022Expenses 2014: $115,018,115Net Income 2014: $1,488,9072014Revenue 2016: $116,006,301Expenses 2016: $115,106,264Net Income 2016: $900,0372016Revenue 2017: $122,475,558Expenses 2017: $122,699,229Net Income 2017: -$223,6712017Revenue 2018: $129,345,308Expenses 2018: $130,270,689Net Income 2018: -$925,3812018Revenue 2019: $148,510,710Expenses 2019: $147,321,111Net Income 2019: $1,189,5992019Revenue 2020: $143,841,161Expenses 2020: $141,130,215Net Income 2020: $2,710,9462020Revenue 2021: $154,138,763Expenses 2021: $157,849,981Net Income 2021: -$3,711,2182021Revenue 2022: $162,971,805Expenses 2022: $163,852,794Net Income 2022: -$880,9892022Revenue 2023: $189,947,406Expenses 2023: $183,530,653Net Income 2023: $6,416,7532023Revenue 2024: $196,372,711Expenses 2024: $192,294,663Net Income 2024: $4,078,0482024

Highlighted filing

2024

Revenue$196,372,711
Expenses$192,294,663
Net Income$4,078,048
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
$20,967,275
Liabilities
$557,814
Net assets
$20,409,461
Revenue
$196,372,711
Expenses
$192,294,663
Net income
$4,078,048
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$21.0$0.56$20.4$196$192$4.08
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$16.9$0.54$16.3$190$184$6.42
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.4$0.49$9.91$163$164$0.88
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.3$0.46$10.8$154$158$3.71
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$14.6$0.08$14.5$144$141$2.71
2019Summary only. Only limited summary data is available for this year.$12.3$0.46$11.8$149$147$1.19
2018Summary only. Only limited summary data is available for this year.$11.0$0.42$10.6$129$130$0.93
2017Summary only. Only limited summary data is available for this year.$11.9$0.40$11.5$122$123$0.22
2016Summary only. Only limited summary data is available for this year.$11.9$0.15$11.8$116$115$0.90
2014Summary only. Only limited summary data is available for this year.$11.2$0.15$11.1$117$115$1.49
2013Summary only. Only limited summary data is available for this year.$9.67$0.07$9.60$97.4$98.9$1.50
2012Summary only. Only limited summary data is available for this year.$11.1$0.03$11.1$105$108$3.01
2011Summary only. Only limited summary data is available for this year.$14.2$0.06$14.1$142$143$0.47
2010Summary only. Only limited summary data is available for this year.$0.00$0.00$0.00$0.00$0.00$0.00
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 12, 2025
Return Version
2024v5.2
Gross Receipts
$196,372,711
Mission and Program Overview

Mission

Provide certain employees of employer companies medical and dental benefits.

A self-insured employee welfare benefit plan that provides medical, pharmacy and dental benefits to eligible employees and former employees of US subsidiaries of RBC under COBRA

Balance Sheet Detail
LineBeginningEndChange
Assets
Cap Stk Tr Prin Current Funds$16,331,413$20,409,461▲ $4,078,048
Savings and Temporary Cash Investments$10,193,787$12,555,612▲ $2,361,825
Cash and Non-Interest-Bearing Accounts$0$0→ $0
Accounts Receivable$0$0→ $0
Other Notes and Loans Receivable, Net$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Other Securities$0$0→ $0
Investments Program Related$0$0→ $0
Investments in Publicly Traded Securities$0$0→ $0
Land, Buildings, and Equipment, Net$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Rtn Earn Endowment Incm Other Fnds$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Prepaid Expenses and Deferred Charges$0$0→ $0
Total Assets$16,870,962$20,967,275▲ $4,096,313
Other Assets Total$6,677,175$8,411,663▲ $1,734,488
Liabilities
Accounts Payable and Accrued Expenses$539,549$557,814▲ $18,265
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Other Liabilities$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$539,549$557,814▲ $18,265
Net Assets / Fund Balance
Total Net Assets Fund Balance$16,331,413$20,409,461▲ $4,078,048
Total Liabilities and Net Assets / Fund Balance$16,870,962$20,967,275▲ $4,096,313

Asset Categories

AssetBook ValueDepreciationBasis
Other Assets Org$465,334--
Compensation and Service Providers
Top Officer Pay34th percentile

Board Members and Trustees

NameTitle
See Schedule OSee Schedule O
Revenue and Support

Revenue Composition

Contributions and Grants
$196,349,403
Program Service Revenue
$0
Investment Income
$23,308
Other Revenue
$0
All Other Contributions
$196,349,403
Change in Net Assets
$4,078,048

Audited Revenue Reconciliation

Revenue per Audited Statements
$196,372,711
Total Revenue per Audited Statements
$196,372,711
Total Revenue per Form 990
$196,372,711
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$7,576,086
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---$184,718,577
Other Expenses---$616,160
Total Functional Expenses$0$0$0$192,294,663

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$192,294,663
Total Expenses per Audited Statements$192,294,663
Total Expenses per Form 990$192,294,663
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$0
Fundraising Gross Income$0
Gaming Direct Expenses$0
Gaming Gross Income$0
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
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Audit committee
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
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section B. Policies -

“Item #11b - The organization's Return of Organization Exempt from Income Tax (Form 990) is prepared by staff personnel and reviewed by directors of RBC Capital Markets LLC Taxation Department.”

Form 990, Part VI, Section C. Disclosures -

“Item #19 The organization makes its financial statements available to the public through its Summary Annual Report (SAR) as well as the online form 5500 at http://www.efast.dol.gov. The organization's conflict of interest policy and governing documents are available upon request as appropriate.”

Form 990 Part VII

“RBC-U.S.A Health and Welfare Benefit Plan has no officers, directors, trustees, employees or independent contractors.”

Filing and Contact Details

Filer

Filer Name
RBC USA Health & Welfare Benefit Plan
EIN
37-6395038
In Care Of
% EBRIMA TOURAY
Phone
2124286200
Address
30 Hudson Street 29th Floor - Tax, Jersey City, NJ 07302

Signing Officer

Name
Rohit Sharma
Title
CFO
Phone
2124286200
Signed
2025-11-12

Organization Details

Principal Officer
Rohit Sharma
Formed
2002
Legal Domicile
Mn
Voting Board Members
0
Independent Board Members
0
Employees
0
Raw XML Appendix317 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.

Path#Value
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IRS990/DescribedInSection501c3Ind0false
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IRS990/GamingActivitiesInd0false
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IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt0481
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt17945848
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt2465334
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0ACCRUED INTEREST
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1REBATE RECEIVABLE
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2STOP LOSS RECEIVABLE
IRS990ScheduleD/RevenueSubtotalAmt0196372711
IRS990ScheduleD/TotalBookValueOtherAssetsAmt08411663
IRS990ScheduleD/TotalExpensesPerForm990Amt0192294663
IRS990ScheduleD/TotalRevenuePerForm990Amt0196372711
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Item #11b - The organization's Return of Organization Exempt from Income Tax (Form 990) is prepared by staff personnel and reviewed by directors of RBC Capital Markets LLC Taxation Department.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Item #19 The organization makes its financial statements available to the public through its Summary Annual Report (SAR) as well as the online form 5500 at http://www.efast.dol.gov. The organization's conflict of interest policy and governing documents are available upon request as appropriate.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2RBC-U.S.A Health and Welfare Benefit Plan has no officers, directors, trustees, employees or independent contractors.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section B. Policies -
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section C. Disclosures -
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990 Part VII
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IRS990/TotalAssetsEOYAmt020967275
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IRS990/TotalAssetsGrp/EOYAmt020967275
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IRS990/TotalLiabilitiesEOYAmt0557814
IRS990/TotalLiabilitiesGrp/BOYAmt0539549
IRS990/TotalLiabilitiesGrp/EOYAmt0557814
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt016331413
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt020409461
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IRS990/TotalProgramServiceRevenueAmt00
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IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0196372711
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt016870962
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt020967275
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt00
IRS990/TypeOfOrganizationTrustInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UnsecuredNotesLoansPayableGrp/BOYAmt00
IRS990/UnsecuredNotesLoansPayableGrp/EOYAmt00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt030 Hudson Street 29th Floor
IRS990/USAddress/CityNm0Jersey City
IRS990/USAddress/StateAbbreviationCd0NJ
IRS990/USAddress/ZIPCd007302
IRS990/VotingMembersGoverningBodyCnt00
IRS990/VotingMembersIndependentCnt00
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Rohit Sharma
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CFO
ReturnHeader/BusinessOfficerGrp/PhoneNum02124286200
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-11-12
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0RBC USA Health & Welfare Benefit Plan
ReturnHeader/Filer/BusinessNameControlTxt0RBCU
ReturnHeader/Filer/EIN0376395038
ReturnHeader/Filer/InCareOfNm0% EBRIMA TOURAY
ReturnHeader/Filer/PhoneNum02124286200
ReturnHeader/Filer/USAddress/AddressLine1Txt030 Hudson Street 29th Floor - Tax
ReturnHeader/Filer/USAddress/CityNm0Jersey City
ReturnHeader/Filer/USAddress/StateAbbreviationCd0NJ
ReturnHeader/Filer/USAddress/ZIPCd007302
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/ReturnTs02025-11-12T14:58:11-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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